"Merchants are also given a business debit card for quick access to their funds and 1% cash back on eligible purchases – which means if you use the debit card,

"Merchants are also given a business debit card for quick access to their funds and 1% cash back on eligible purchases – which means if you use the debit card, your fees are actually just 1.7%!" What a stupid marketing point. If I use any mobile payment processor and then spend the funds with any credit or debit card offering 1% cash back, I achieve exactly the same savings. Paypal hardly has a competitive advantage here.