>I believe this was via debit cards, which had lower fees and are by far the more popular card type in the UK, possibly in the EU as a whole Indeed. The debit

>I believe this was via debit cards, which had lower fees and are by far the more popular card type in the UK, possibly in the EU as a whole Indeed. The debit card charged a flat fee per transaction, so giving the customer money instead of paying the bank 0.x% for cashing it in was a logical choice.