Yes, and I'm suggesting that we change that. I'm suggesting that a potential solution is to change that, and charge it to the consumer rather than to the merchant.
At the till, let's say the consumer is asked, “Cash or credit?” If the consumer says cash, they don't pay the interchange. If they say credit, then boom, the interchange is added on of whatever bank issuer, of whatever credit card they are using. It's itemized on the final bill of sale at the point of sale, just like the provincial sales tax and the GST are, thereby empowering the consumer to choose the credit card and interchange rate that best fit their needs.