The credit card fees are made up of multiple smaller fees: the largest part, the interchange fee goes to the issuing bank wherever it is in the world. The scheme fee goes to the scheme (e.g. Visa, MasterCard, ...) which is indeed ultimately a fee that goes to America, however it is much lower than 2%.
Yes, and I'm not saying that's a good thing, but I do think it's important to stay factual in complaints.
However another massive issue except the fees is data flow. I don't need US corporations to know about all my transactions that otherwise do not relate to them at all.
It should be in the interest of all countries to have a payment scheme that is not reliant on the US or another massive foreign power. Thankfully, many countries do have their own scheme, though it seems Kenya unfortunately doesn't.
