I always forget where you live, but this is insane by European standards, even 3% is insane.
9% is indeed the "worst of the worst" where I live (Argentina). The problem is that here they charge a quite high fee when you want fast processing.
Here are the fees of the most popular payment processor MercadoPago.
Credit cards at MercadoPago are around 8% for immediate processing, and ~5.5% for 10 days, and there can be up to 2% additionally for international cards. There is an option of ~2% (1.49% + VAT which is 21%) but settlement time in this case is 35 days, so you will lose a lot due to inflation (about 2-3%, considering the inflation is about 40%/year) and then there's additionally opportunity cost ...
The 1.x % you cite for Visa's totals also includes payments with debit cards. Those have a much lower fee here (about 1-1.5% for QR code payments to 3% for the "Point" point of sale solution).
In the US, 3% seems to be a common credit card fee too, see
this article where the example of Square is cited (2.75% to 3.6%).