The major card networks have created an incredibly inequitable payments ecosystem.  They set high fees that merchants must pay to process each transaction, and each rate varies greatly based on the card being used.  A "high" rewards card from a big bank costs merchants more money to process than a "low" rewards card.  In our opinion, the merchant shouldn't care about what type of card is being used by the consumer, and certainly shouldn't pay a different rate based on that.  However, the harsh reality is merchants don't have a choice in the matter, which is why Payper was created.  Payper offers an alternative payment method for merchants to process, helping them save money, get paid faster, and grow future sales. Instead of only being able to accept credit/debit cards, Payper offers merchants the ability to accept payments directly out of a customer's bank account in real time, not only providing a cheaper payment alternative, but also cutting out the many inefficiencies the card networks introduce.  Instead of having funds settle days later, Payper can settle funds in the merchant's primary business bank account within a matter of seconds.  We still charge small transaction fees, but they go directly towards an in-store loyalty program, helping merchants grow future sales.