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Cashless Society~ Not so easy

GM. As we endeavour to move to card based transactions or rather digital transactions, I am still thinking how it will be implemented, specially the card based systems.
The card based systems run on a fees levied by Banks on merchant establishments.  At Chandigarh I find that many establishments levy a 3 % charge if a card is used. At some it is 1.5 % to 2.00 % with maybe a smaller fees for using a debit card. Any discount is off the table if a card (debit or credit) is used.
Just as an example I had to pay a doctor the consultation fees  and certain specialized medicines (I am fine, for someone) and the doctor said 3 % extra for the credit card. So I took out the debit card. It was still 3 % as the banks charged 3 %. I tried my skills in explaining the use of cards and it's benefits in the larger context but found it was being met with irritation. It was a large amount and I went out to an ATM to draw cash. I have had retailers state the same, specially discounts are at times on cash only. At a gym, depending on your customer loyalty and mood of the owner, the 3 % maybe levied or not levied on the gym fees.
Ofcourse the high end commercial establishments mostly accept the cards but then we are seeking the mass acceptance of a move to being cash less.
What could be the route to building in acceptance without any mark ups to include the charges.  And I am not pursuing the specific case with anyone as I cannot annoy the doctor. In any case.it's an example only.

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