Retailer fees is one thing. Coin acceptance is another thing. Both are very important, but they are not related in any way IMO.
...but you can't say the goal is cheaper financial options when there is no differentiation from using a crypto-card or credit/debit card in terms of fees. Fact is, credit/debit cards are still far more widely accepted by a long shot. This is another means of helping adoption but there should be incentive to accept crypto and having ordinary fees isn't going to help. It's the whole why fix it if it ain't broken idea. To people that know about crypto, it does fix problems with other forms of payment, however, to those unfamiliar, why change what already works?
Actually, I think the fees (at least vendor-side) are really a non-issue. The largest obstacle to broad vendor adoption is confusion and infrastructure. Accepting debit/credit cards on an existing payment-processor network won't cost them more than they are already paying. So really the only way it would ever save them is by direct crypto payments.
The reality is however, that most businesses are not run by unemployed college students - but most crypto is held by them.
![Wink](https://bitcointalk.org/Smileys/default/wink.gif)
If it's on Visa's network... I'm only required to maintain, license and report, the exact same things I do for fiat-backed credit/debit transactions... and since I'm actually getting only cash in the end (presumably at least) I then don't have to worry about tracking any gains on crypto, as it's not held by my company. What I do get out of the deal however... is more business... for which losing 2-3% in fees is well, well worth it!
![Cheesy](https://bitcointalk.org/Smileys/default/cheesy.gif)
Precisely! And this is exactly why we went this route for this partnership. Using crypto has to be DEAD simple -- and if to get it in the hands of everyone else who aren't unemployed college kids/young tech sector adults/mid age IT folks etc we have to make it simpler. Loading cryptos on a card to spend like cash is the same effort has moving $ from checking to savings. IF we can make it this easy for people to spend there cryptos -- the overhead to getting involved is almost completely eliminated. A card not utilizing a payment network would be great -- but the FUTURE of payments is digital (person to person exchanges, wallet apps -- etc). So in the SHORT TERM for mass adoption you need tools like this.
McKie