The benefit lies in the lack of a middle man who you have to ask for permission. I don't care if he takes a cut, I don't care if he slows down processing, but

The benefit lies in the lack of a middle man who you have to ask for permission. I don't care if he takes a cut, I don't care if he slows down processing, but I care as soon as he starts saying "my bank doesn't allow your kind of business".