Yes, thats it-so you dedicated 1st cl. users can now feel discriminated against. As for now paying with cr-cards (or any foreign card accepted) will always lead to paying the full 2nd cl price. One reason behind this is that NS-as it was some 12-15 yrs ago when that national chipcard was introduced, thought it could in its own isolated sferes set its own rules-and had to be faced to reality by the ministry. This new direct payment system has also been introduced by the various bus/tram companies-even though the odd local railcompany also has a tiny 1st cl. section.
There are some talks about being able to put discounts or the like tied to your bankcard (mostly useful for locals, like me) but this seems a long way going.
Being in Türkiye right now-main aim to visit some of the many new tramwaysystems, and also facing the apparent need to first chase to buy a local chipcard to load your money on to pay these low fares-well in most cities they also accept direct payment with cr/bankcards-local fares are mostly like 8-9TRL=about 30p. But then you lack the discount after changes-every new ride is the full fare-chipcards will give discounts on that. And the system with lowest fare-6,5 TRL (Izmit in Kocaeli-some 100 KM south of Istanbul) also set a tiny amount extra for this service. It always takes much longer for the green to come at the gates compared with local chipcards.
Back to home (tomorrow morning for me): in fact last yr the companies were allowed to raise their KM-fares a tiny bit more to allow for now selling much fewer higher priced single tickets. But as these flat fare local tickets cannot be too high priced-it is indeed the case that for very long rides it works out cheaper to pay for it as using the chipcard-except when you change to other local systems. RET and that now metro line to the Hook where the GB-ships dock is the best known case for that. Cash payments on bus/tram have been abolished quite some time ago-as such in theory NS accepts money as coins only in machines-with a MAX of 20, which also prohibits you to buy more expensive tickets-only the 20 or so remaining counters can.