Clayton: We've got a joint account flomax uk cq Regarding incentives to switch, those will eventually come from the merchant, not from consumers. If merchants have to pay higher transaction fees to Visa and MasterCard than to a mobile payments processor, they may increasingly refuse credit card payments for small transactions – as they already do in many establishments – in favour of the mobile payments technology. A few cents savings on your daily coffee doesn’t mean much to you, but a few cents times a billion coffees starts to add up for the Starbucks of the world.