This may be prying and off topic, so sorry if it is, but how do you guys plan on making money? From the $5/user/mo fee? Or does Visa hand over a piece of the 2.

This may be prying and off topic, so sorry if it is, but how do you guys plan on making money? From the $5/user/mo fee? Or does Visa hand over a piece of the 2.x% transaction fee?