Card and also New Zealand. I tend to find the cc or EFTPOS fees only get directly added by small businesses like local dairys or restaurants. Otherwise, it’s generally considered an operating cost and as such is accounted for in the price, so you pay for it regardless of how you pay.
Leave the tinfoil hat on. There is a precedent for exactly what you are describing. When radios went from valve to transistor, radio manufacturers kept the number of transistors low and only slowly increased radio quality over the years. They were able to make higher quality radios from day 1 but didn’t so they could sell more radios.