LONDON – Starting in January, U.K. businesses, governments and retailers will no longer be able to add a surcharge to credit card transactions, Ars Technica UK reports. Such surcharges typically aren’t levied on debit cards, although the news article pointed out that some small convenience stores will add a surcharge on any card payment.

In 2015, a European Union directive capped the swipe fees merchants would have to pay at 0.3% for credit cards and 0.2% for debit cards. In the directive, the EU said that such interchange fees cost retailers as much as €13 billion annually across Europe. The United Kingdom estimates the cost to U.K. businesses to be £473 million in 2010.

The U.K. ban will apply to Visa, MasterCard, American Express, Apple Pay and PayPal, going beyond the usual focus on only credit cards. The United Kingdom, like the United States, is moving from paying as much with cash, with cash payments only accounting for 48% of transactions in 2015.

Visa is pushing for that transition to continue with its announcement last week to give incentives to businesses that refuse to accept cash. The credit card company is running a pilot program with 50 U.S. restaurants, with plans to expand to the United Kingdom. In exchange for $10,000, the restaurants agreed to only accept mobile or card payments. “We’re focused on putting cash out of business,” said Al Kelly, Visa’s CEO, in the Wall Street Journal.