Oh you pay them, you just don't see it because it's already baked in to the price.
So those choices are more than a fair bit overblown, and that's the knock on effect of this-- if SNAP changes I can guarantee interchange does as well and that will be factored in to your cost of goods.
Apologies that I don't have any internet-point scoring fanfic, gifs or guillotines as I prefer to stick to the far more sobering reality.