Several years ago, I met with my business banking manager to discuss merchant fees, among other things. After some negotiation—and I mentioned other banks in the process, during that negotiation—the fees were reduced to what I thought was fair. Negotiation with providers already happens. Businesses don't need someone to hold their hand to make sure they run their business the way the Government thinks they should, to be told what surcharge they can charge if they choose to charge one.