Why cann't I use a bank card electronically, many times?

This is not a simple question.

Service providers who issue the card (debit or credit) are likely to charge whatever the competetion allows. But they are besides drawing the service charges and taxes for each transactions, whenever applicable. This increase the customer's total cost of owning an electronic card.

Also, the data requiring POS Terminals enabled shopkeepers harash the customer not to use an electronic card. They tell that the authorising agent charges 3% of the total transaction. According to these shopkeepers, it minimizes their total profit on the sale. So, many times, it seems that you can pay less if you pay by cash. If you have a debit card, it becomes wiser to get the money from the ATM card and pay for your item.

Until the cost of electronic data exchange can not be minimized, people of Nepal are less likely to use electronic cards.