I agree. I have a mom and pop pizza joint.
I took $111k in payments last month. $11k in cash, $400 in checks, and $99,600 in credit/debit cards.
I paid +/- $3,000 in credit card fees on 2084 card transactions. For those fees I get a super robust POS system that saves me 10-20 hours a week in administrative work. I keep a few hundred dollars in cash on the premises vs $10,000 on a busy Friday night. I save 2 hours a day in cash and check counting/banking activities. I get to offer online ordering to customers that generated $40,000 in business at no extra charge for me. No NSF fees and much less risk of petty theft from employees.
My POS system is completely free because the company (Toast) gets to process my credit card fees at a discount to the bank no less. Toast is my single best employee and costs me half as much per month as my 2nd best employee.
I might offer a credit/debit discount before I ever considered one for cash or check... And our credit card tips average 14% vs less than 8% for cash. So that's an extra $6k my employees made for the month.
