For shop owners, transaction fees are the single biggest barrier to adopting cashless systems. While credit card networks strain profit margins, government-backed regional payments are structured to support merchants. We compare fees and benefits.

Typical Transaction Fee Comparison

• Standard Credit Cards: 3.25% - 5.0%
• National QR Payments (e.g. PayPay): 1.6% - 3.25%
• Administrative Regional Currencies: 0.0% - 1.5%

Why Are Regional Payment Fees So Low?

Unlike private payment networks, local digital currencies are built by municipalities and credit unions funded by public budgets. Designed to foster regional growth rather than profit, operating overhead is highly subsidized.

Benefits for Participating Merchants

• Guaranteed Foot Traffic: Customers carrying points restricted to the city limits prioritize local shops.
• Lower Operating Costs: Steering shoppers from credit cards to regional wallets saves significant fee expenses.
• Free App Marketing: When the city launches promotional campaigns, participating shops are highlighted on the app’s map for free.