We charge the acquirer 0.8¢ to process the transaction. Of course, the acquirer has a contract with that merchant and provides other services in processing and the terminal that sits on the point of sale at the merchant location. We're part of their operating costs. They would have a contract with the merchants that would bundle their other services and pass on those fees in a competitive environment. Typically, the end merchant cost in the Interac environment is anywhere from 3¢ to 15¢ at an average of 7¢ or 8¢ per transaction.
You're right. On the $100 it doesn't matter whether it's a $10 purchase, a $100 purchase, or a $1,000 TV; it's still the same flat-fee amount.