The point we're expressing on the difference in fees is that we recognize that in those environments that are not secure there is an increased risk associated with those. But we believe that the associated risk does not transfer into a mobile environment, so because it is an authenticated payment and because there is security associated with the mobile phone, that should be treated as a card-present transaction, where you put in your PIN when you have a chip card, as opposed to whether it's being keyed in on the pad.
I think the point that the merchant community is making is that the risk associated with mobile is similar to, if not the same as, the risk with a chip and PIN card, and as a result the charges for that type of transaction should be similar.