You stated earlier that you were not involved at all in changing the interchange fees of the credit cards. Since Visa and MasterCard do not get any money from that, how come you are not involved in setting those fees, even when you talk about volume? If the interchange fee was set at 1%, the volume would be the same as if it were set at 2%. You collect money on all the transactions and you claim that the interchange fees are too high.
Why are you not putting the question to Visa and why do you not ask them to lower the interchange fee? Is there a particular reason?