In a sense, I spoke a few moments ago about “on us” transactions. If the person or the consumer who is paying the bill banks with the same institution as the biller, it never comes through us.
Secondly, we have learned that there is a voluntary process of VISA-issuing institutions that can settle out their bill payments at the end of the month through VISANet. If they opt for that process, they would not come through us. But we understand that this is relatively small.