You can actually use a variety of systems not tied to banks to pay with credit card, and I'm pretty sure people would be willing to pay an extra 50 cents to 1 dollar per transaction to cover it. There are a few markets in the area that use this with a tablet card reader and a wifi connection.

The online pay method most of them use likely has the option available, so it's not impossible just a bit more expensive. The federal change is needed for many reasons, but this one can be circumvented.