No, and I'm not suggesting that they would be negotiating with the consumer. The choice for the merchant is the negotiation with the credit card companies so that they have a choice, i.e., that they will accept the credit card but not the mobile version of that credit card, or that they will accept debit but not credit.
That's what I'm saying. I'm not suggesting that they will tell the consumer....
They can influence the consumer and say, “Hey, if you don't mind, do you have maybe a debit card instead of a credit card? That would help me out.” If the consumer says no, they'll probably just say, “Fine, I'll take your credit card.”
These are the types of things that we'd like to see merchants—