According to Credit Card Surcharges, a collaboration between PYMNTS and Payroc that surveyed 2,507 credit card users in the United States, an average of 9% of cardholders were asked to pay a surcharge on their last credit card purchase in restaurants or retail stores.

Get the report: Credit Card Surcharges: How Cardholders Respond to Extra Costs

Overall cardholder awareness of merchant surcharges is high, with 84% of cardholders aware that merchants can charge processing fees.

Additionally, 90% of cardholders review their merchant receipts for surcharges on some, most, or all of their credit card purchases. Seventy-one percent of cardholders check their receipts for surcharges after all or most of their credit card purchases, and 19% do so for some of their purchases.

Cardholder awareness of credit card surcharges is high for every financial lifestyle, income level and age group surveyed. Millennials and bridge millennials are the generations with the highest share of awareness among generations. Cardholders who earn more than $100,000 per year are the most aware among income groups. There is little variation in knowledge of card surcharges among the three financial lifestyles tracked in the survey.

Twenty-one percent of cardholders say having to pay a surcharge has negatively impacted their perception of the merchant who charged them the surcharge.

In addition, 56% of cardholders who had to pay a surcharge on their last purchases say that they would be “very” or “extremely” likely to switch merchants if they had to pay one again.

Yet 85% of cardholders who are presented with surcharges agree to pay them.

Consumers frequently used a different payment method specifically to avoid paying extra. There are several payment methods they use as alternatives to credit cards to bypass surcharges, 71% of cardholders using cash, 40% using debit cards, 22% using PayPay, 19% using digital wallets and 19% using checks.