I'm confused. Who benefits from using a physical credit card terminal instead of an app in the first place? If you don't want to implement all the payment met

I'm confused. Who benefits from using a physical credit card terminal instead of an app in the first place? If you don't want to implement all the payment methods Uber does, and you're willing to settle with only credit cards... why not just have in-app payment that only supports credit cards? The obvious answer would be "so that the user doesn't have to have the app", but if the user doesn't have an app, how is that different from an old fashioned taxi service? Beyond the fact that the credit card terminal isn't broken... but it's not like the rider would know that ahead of time.