For most people, they'll know that when they do some transactions—when you go through payWave—it says "Do you accept the 0.02 percent" or the 0.2 percent "merchant service fee?", and you have to say yes in order to pay for it with that credit card. But it's not necessarily 0.02 percent; it's usually 2 percent, 3 percent, or 5 percent. It's too high compared to the rest of the world.