This is a chance for credit and debit cards to not only have the rewards programs they normally deliver but also a merchant funded program where your consumers can use their cards to pay at participating merchants and earn additional rewards on top of the rewards they already receive. 

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Talk about how they make money. Making more money on an average - 3x their money. How they get stickiness with their members. already paying points. everyone has points. on top of that, merchants giving back 10%. take 10% of that and pay 100 basis points back to the issuer and 100 basis points to the Acquirer.

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