Don't forget that Australia has EFTPOS and most debit cards are co-branded. The RBA is pushing for transactions to be routed over EFTPOS when possible [1]. And

Don't forget that Australia has EFTPOS and most debit cards are co-branded. The RBA is pushing for transactions to be routed over EFTPOS when possible [1]. And obviously, NPP continues to be rolled out: Osko is now widely available and PayTo [2] will be rolled out throughout 2024. [1] https://www.rba.gov.au/payments-and-infrastructure/debit-cards/least-cost-routing.html https://www.rba.gov.au/payments-and-infrastructure/debit-car... [2] https://payto.com.au https://payto.com.au