Yes. We recently did some work around the payments system. We have a whole report around Canadian payments and small businesses.
One of the questions we asked was what the biggest obstacles were for merchants in accepting or receiving electronic payments. Number one was cost. It was simply down to the extra cost to set it up and to deal with the security issues around it. Obviously, once you have a card-not-present situation, you're also dealing with higher costs. Then, if you have premium cards on top of that, it is a bit of a barrier.
For very small firms it is one of the reasons.... They may have websites, but they're not necessarily transacting online, as a result.