Almost any volume makes it worthwhile. 40hr*$60/hr = 2400 /.02 = 120,000 . So more or less since they saved 2% they could justify it if they had $120,000 flowin

Almost any volume makes it worthwhile. 40hr*$60/hr = 2400 /.02 = 120,000 . So more or less since they saved 2% they could justify it if they had $120,000 flowing through, which is a pretty minimal transactional volume (your local corner store almost certainly does well north of $500k a year in sales volume through kitkat and beer sales alone) (Of course they decided to further their competitive advantage and lower fees, but that is also perfectly rational) This is why any business model that involves taking a percentage cut off the top of things is great if you can get almost any adoption. It really does add up incredibly fast.