Anyone who is already in the card payments market can answer yes to those questions. And they have the advantage of already having the back end payment process

Anyone who is already in the card payments market can answer yes to those questions. And they have the advantage of already having the back end payment processing heavy lifting AND existing relationships with real customers. Sure, none of the existing players wanted to get into this space and be disrupted - or perhaps even able to come up with this creative alternative mechanism for taking benefits. But we're now seeing them take notice, switch gears and offer rival services. I'm hoping Square does well, but I think they face some stiff competition.