I believe the answer is actually quite simple: the money came from the interchange fee that the retailer pays. What you have is a completely predictable outcome that economic arguments would lead to, based on the notion of a platform. It's based on the notion of a two-sided model. If you recall, I gave you examples of Google, the Yellow Pages, or the mall, where one side is subsidized, usually the shopper, and the other side pays, usually the provider. So what you—
