> They like it, but are they willing to pay for it? There's nothing more annoying than trying to pay for your meal via a payment method they don't accept -- a

> They like it, but are they willing to pay for it? There's nothing more annoying than trying to pay for your meal via a payment method they don't accept -- a common one these days is cash, many restaurants just don't accept it around here anymore, with no signage. So, for businesses, it isn't just a matter "willing to pay for it" but also customer expectations and not having to pay for "employee downtime" (such as employees having to explain why they don't accept that payment method) and "lost inventory" (such as a table being held while someone travels somewhere to retrieve a different payment method). > the vendor could offer their customers the same products for 2% less if they pay via lightning They can do this already by switching to a different payment provider that isn't "turn-key via API." There are many payment providers that only cost a small percentage over the interchange rate which varies between 1.5% and 3%, IIRC, depending on the type of card. You have to deal with sending transactions via FTP and all kinds of shenanigans ... but this is why you pay Stripe a flat rate, right? > and share the savings with their customers. I LOL'd. That never happens. Ever. Also, 2% isn't going to make a noticeable difference to practically anyone. > I have bought something with my CC hundreds of times and never ever did a chargeback. And that one time you do, you'll be incredibly thankful to get the money back that was spent on a container of shoes in a country you've never been to. True story. > everytime I pull that thing out, someone could photograph or memorize the numbers on it and cause me trouble. You can use tap-to-pay in a reasonably advanced area. My card never comes out of my wallet. Ever. I just hold my wallet up to the sensor and it is done.