Why do the payment companies do this? Because they get ~1% of the tip.
I hate tipping so much, I want to start a "no tipping" movement. Then hopefully the industry will figure out how to pay their people a living wage without making paying a game of social pressure for me.
No problem tipping for good sit-down table service, or a good bartender at a bar. But at carry-out and self-service places, there's no service provided so nothing to earn a tip.
I recently had one at one of the big coffee chains where it offered 10%, 15%, 20% and an unlabeled fourth option. The fourth option went into a submenu with 5%, 10%, 15% and this time a labeled none option, which sent you to a another yes/no screen.
I don't avoid the business but I do not feel bad at all not tipping when there is no service involved. And, no, the 3 second interaction of handing me out goods from behind the counter doesn't count. When there is service involved it usually is already included in the price and rounding up is a courtesy but not required.
It's the same as looking at an American engineer's bonus that's 3x a foreign engineer's whole pay and calling them a beggar.
Even with reliable good nights the off nights eat away at that margin.
It's a false economy.