For me as a consumer in the USA, one of the biggest advantages for credit cards over bank transfers is where the money is in case of dispute.
With credit cards, I still have the money in my possession, the dispute process is about the credit card company trying to get paid. With a bank transfer, the money is gone from me, and the dispute process is about me trying to get my money back.
Even with the same policies on paper, this one fact makes me prefer to pay with credit cards wherever possible.
And you’ll still have that option, you’ll just likely pay for the privilege with the 3% fee pushed back onto customers who opt to use credit card rails. Think of it as a dispute insurance premium for less than high confidence transactions.
An early example of this is T-Mobile’s recent decision to remove their autopay discount if you use a credit card instead of a deposit account (their CC interchange fees are material at their scale). Instant settlements at low or no cost give merchants options to squeeze out their payment costs.
With credit cards, I still have the money in my possession, the dispute process is about the credit card company trying to get paid. With a bank transfer, the money is gone from me, and the dispute process is about me trying to get my money back.
Even with the same policies on paper, this one fact makes me prefer to pay with credit cards wherever possible.