Then the vendors pay 2-4% of credit transactions to the payment processor or shift the cost to consumers.

It’s about the cost of another employee in salary per year for restaurants.

While many other countries employ pay by QR code which is free.

> While many other countries employ pay by QR code which is free.

In which countries is this service free? Alipay and Wechat are probably the biggest actors in this space both take a cut.