Of course HMG could set a cap at a lower value than the EU limit. The main issue is that once a cap has been set and some transparency achieved then we should press for action to stop retailers from unfairly inflating the mark-up. The sector that infuriates me most is the travel industry where their volume of business probably allows their providers to use a charge well below the 0.85% average yet the customers are frequently charged as much as 2.5 or even 3.0 percent for using a credit card.
