I'm confused about what constitutes a payment institution. Does this mean that credit card processors cannot price in bitcoin ? Or does this mean that Starbucks

I'm confused about what constitutes a payment institution. Does this mean that credit card processors cannot price in bitcoin ? Or does this mean that Starbucks cannot price in bitcoin ? There seems to be a distinction between a business and a payment institution. Or maybe what's said here is that a bitcoin transaction is like a 'coupon code' and not governed under the same rules that paying with money would be.