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merchant fees are significantly lower given that we're talking of a debit card not a credit card

http://www.partner400.com/AllAboutUs.htm

I think they took it down :( guess I'm gonna have to find out how to set it up from source code: https://gist.github.com/jashkenas/9a4d9e648eb11aab394e

With this scheme, the merchant still has to pay for swipe fees (which are ultimately transferred to the customer through higher prices -- the ultimate hidden fee!). Swipe fees are …