An ad campaign by Visa encouraging credit card use for minor purchases has triggered a backlash from small business owners who say using more plastic will cut into their bottom line.

In its "smallenfreuden" spots Visa touts the benefits of making very small purchases on credit, including convenience and fraud protection. One ad shows a couple in the stands during a hockey game, paying for snacks through a vendor’s hand-held terminal.

But the Canadian Federation of Independent Business is hitting back. It says smallenfreuden stands to hurt small businesses because banks and credit card companies take a percentage of every payment, unlike debit transactions which take a flat fee.