It seems like the transaction is free to us mostly because they are charging the merchant high premiums(which the merchant uses to jack up prices for everyone regardless of payment type). I agree on the overall charge levels being too high but If we got a larger number of overall transactions on the interac network I’m sure the prices would drop with volume. I look at what Brazil has done with there payment network and how much it’s annoyed the US, and it makes me think that they have a part of the solution there.