Dive Summary:

• While it is unlikely that big retailers like Walmart and Target will pass on a surcharge to shopper for credit card use, the option for merchants to do so offers opportunities to smaller companies looking to offer the luxury of using credit.
• The surcharge option also affords retailers the opportunity to provide discounts for cash-only sales.
• The new reform will gives retailers the chance to provide discounts and promotions in the form of loyalty programs with in-house credit cards.

From the article:

"...consumers should stop worrying they’ll pay more for purchases. This is good news for pretty much everyone, except the credit card issuers..."