I use credit card, wireless credit cards and mobilpay. It is available anywhere, nationwide.
We have a “Denmark credit card”, called DANKORT. It was introduced in 1983. It has been fee-less for nearly all its life. About 10-12 years ago they tried to introduce fee on every transaction (the card has more than a billion a year), which resulted in a nationwide outcry. Transactions count fell 25% within days. The card is so integrated in Danish society that the cash supply was simply not there anymore to cope with the sudden change in payment method. The user revolted against the fee, retail complained loss of business and not enough cash and the government revokes the fee after only 6 days. The banks and retail split the bill instead. Knowing them well enough, the probably just pass it on to the user in another less in-the-face way.
