Well, I heard in Akihabara you can lie next to a girl in a bed for a certain period of time and she charges looking into her eyes, laying down on her lap, or hugging. My niece (who is now 19 and I am 30) actually did this last year lol.
As for credit cards in general in context to "the industry," they do charge an extra 20-30%. If it's for general shopping, then yes, a good number of big places do.