The Government's recent ban on on payment card surcharges has been met with criticism from the retail and hospitality sectors.
The Government's announced it will scrap extra in-store card fees by next May.
The Commerce Commission has already reduced bank interchange visa and master card fees for businesses.
Dairy and Business Owners Group chair Ankit Bansal says these proposed changes are 'unfair' as the banks can still charge whatever transaction fees they like.
"These will likely have to be passed on to the consumers - the problem is, we would have to do it across the board. So even if someone was paying with cash, one way or another, we're paying for these charges."
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