[renhanxue]

Generally there are never any transfer fees for private individuals doing domestic transfers. The banks just provide that service for free and eat the cost. Businesses wanting to accept payments via the Swish app usually pay a flat rate of the equivalent of approximately USD $0.15 per transaction (exact terms depends on which bank you use).

It's also worth noting that credit card interchange fees are price controlled in Europe; there's a EU directive that caps the interchange fees at 0.2% for debit cards and 0.3% for credit cards. Because of this, cashback on credit cards is pitiful in the EU; you can get 0.5% cashback but not much more than that.