Maybe my memory is faulty, but I never remembered having to pay a surcharge to use a credit card. Now everywhere I go there are signs saying that there is a 2.5-3.5% surcharge to use a car (and others that say that there’s a 2.5-3.5% discount for using cash, I assume to get around wording)
Plus, no chargebacks.
If a customer gets cash from the ATM and then gives you the cash, they can’t later try to claw that cash back by denying the charge.