Gift cards, prepaid wireless, etc purchased at a checkout using a debit/ credit is $1 a transaction. Now put a custom made kiosk into that business and the business saves money throughout the year per transaction. If CYBK would charge the business under $1 per transaction the business would still save money.
Credit/ debit cards are a must for a business. The nature of the beast. To save on transaction fees would be huge since everyone is fee'd to death these days. LOL