To be clear, the $90 billion is what all companies pay combined. It's the total market. It is not what Kroger themselves are paying. I imagine that Kroger is pa

To be clear, the $90 billion is what all companies pay combined. It's the total market. It is not what Kroger themselves are paying. I imagine that Kroger is paying between $2 and $3 billion for credit card processing based off of their revenue.