While the pressure on the credit card companies should still work due to conversations behind closed doors, my understanding is that those companies are not actually payment processors. Payment processors are a bunch of companies/banks, some you likely haven’t heard of (one is PayPal though, feel free to make your voice heard to them), and they are taking legal responsibility for the transactions themselves, and thus actually have incentive to police transactions. Credit card companies themselves, not having those legal liabilities, would much rather people just spent their money everywhere as long as there was low risk of cards being stolen or misused.