Reply #38: Nope banks control the FEE for the merchant and consumer

[rasputinkhlyst]

... and the line of credit. If the merchant does not want to pay the bank fee the merchant can opt out of using the card, and if the consumer still desires to purchase from that merchant, the purchase can be done via a cash advance, should the consumer so desire. Therefore, the control of whom one purchases from is not absolute, although the upper limit of how much you may purchase is set.