No, I do not believe that's an accurate statement.
The merchant's acquirers would have to inform them and in fact the level of disclosure that's required has increased. I'm sure you're aware of the Commissioners Guidance 10 that came out in the fall; it is much easier for merchants to shop around and find a competitive offer.
At RBC, we have 25% of Canada's small businesses that we bank. We are most concerned that the payment system remain in balance, and that Canada, collectively, invests in the electronic frontier.
So as we looked at small businesses and as we looked at our solution, which is a secure cloud, we were not prepared to introduce that secure cloud solution until we had Interac debit on there as well as credit. We did not want to force consumers to choose the credit card in their wallet, if they would normally pay debit.