Yesterday's Business Insider published a few-paragraph excerpt from Who Gets What and Why:
The 'cash back' you get from your credit card comes from the guy behind you in line
The 'cash back' you get from your credit card comes from the guy behind you in line
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There are plans in Europe to cap the charge and in the UK you do get extra purchase protection from using a credit card.
That said it's always felt like and duopoly.
http://www.consilium.europa.eu/en/press/press-releases/2015/04/20-capping-fees-card-based-payments
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