It's the network that's the problem. In Europe, the Visa network went down in 2018. see https://www.wired.com/story/visa-outage-shows-the-fragility-of-global-p

It's the network that's the problem. In Europe, the Visa network went down in 2018. see https://www.wired.com/story/visa-outage-shows-the-fragility-of-global-payments/ https://www.wired.com/story/visa-outage-shows-the-fragility-... In Canada, the Rogers network went down in July 2022 for several hours which caused debit card transactions to fail (after the outage, Interac said it was going to add a SECOND network provider - *facepalm*). Many businesses which relied on the Rogers network for credit card transactions were also affected. from https://www.cbc.ca/news/business/rogers-outage-interac-debit-restored-1.6515869 https://www.cbc.ca/news/business/rogers-outage-interac-debit...: "Small business owners were among those hardest hit by the outage, which left them unable to process debit card payments. Sharif Ahmed, the owner of Plantforsoul plant shop in Toronto's west end, said the outage left him feeling helpless, as he turned away customers who didn't have cash."