In Canada, direct debit is by far the most popular payment method (it over took cash over 15 years ago) and Visa plays no role in direct debit purchases. 100%

In Canada, direct debit is by far the most popular payment method (it over took cash over 15 years ago) and Visa plays no role in direct debit purchases. 100% of all direct debit transactions are handled by the ubiquitous Interac network, not Visa or MasterCard, and everyone with a bank account has an Interac card. So, while dropping Visa is still kind of a big deal, it's not quite as big a deal as it would be in other countries where Visa handles both credit and debit purchases. Certainly Walmart will know how much Interac is used over Visa. But here's the thing. Interac has no rewards program, and it charges the consumer a flat fee with each transaction ($0.15 I think? I don't know, I stopped using Interac 15 years ago). Yet, Interac is hugely popular. Meanwhile, we're all paying a hidden 2% tax on everything to cover the credit card interchange fees whether we use a credit card or not. It's a completely unacceptable situation and it's hard not to be on the side of the side of the retailers (even when they propose ham-fisted solutions like CurrentC).