I compare Canada a bit to Singapore. I travelled in Hungary and they have a POS system, or point of sale. There is tap in places like Budapest, so I assume it has to be there in many other jurisdictions. It's the machine itself. I've been told the problem isn't always with the rate, but it's the contracts that are signed between the merchants and the credit card companies that don't allow them to say things like, “If you don't use that card but you use Interac instead, I'll give you a better deal” or whatever.
Is that the case? Is that happening in the marketplace?