Indeed, there is a cost to accepting credit cards and having the institutions process the accounts. This is a market where fees charged by the various institutions—the acquirers—are almost the same. We believe that we should at least consider that.
With regard to the fundamental principles, we of course have to consider service access, the cost of the various services and how they are interrelated, to find out who benefits, who pays the costs and who incurs the risks. In fact, costs, benefits and risks are the three major elements.
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