It is more the others that don't exist.

visa was able to "impose a web of exclusionary agreements on merchants and banks. These agreements penalize Visa’s customers who route transactions to a different debit network or alternative payment system."

Yup. Here in Norway all debit/credit cards are combo BankAxept and Visa/Mastercard. BankAxept is used for 8/10 in-country transactions.

BankAxept charges maximum 0.135% fees, even less for high-transaction businesses:

https://bankaxept.no/hjelp/priser-for-bankaxept