I wouldn't be shocked if there were some supply chain issues tied to the EMV chips that all modern cards have. They're the kind of low grade semiconductor that ends up being made in China so lockdowns + outbreak could be a big issue. Also, chip manufacturing requires neon and the largest world supplier of neon was Ukraine.

https://www.pcbb.com/bid/2022-07-19-what-the-lingering-chip-shortage-means-for-cfis suggests that this might be a big part of it.