Might not be in your neighborhood, but Shetab/Shaparak (in Iran) is the only 100% free payment system in the world that I am aware of. Read more about it at: Faisal Khan's answer to Why is the Shetab card in Iran so successful?
Are there payment methods with zero transaction fees?
Why are micropayment fees often so expensive?1 ansWhat fee does ACH (the automated clearing house) typically charge per transaction?1 ansWhat fees do banks pay to connect to ATM networks or per ATM transaction?1 ansHow is the cost of a credit card transaction split among the various parties involved?1 ans