A handmade accessories business has an average transaction size of $80. Their Merchant Service Fee (MSF) to process a Visa Debit Card is 1.0% and their eftpos Debit card fee is $0.25
This would mean that when a customer presented this merchant with a contactless Visa Debit Card and the accessories business did not have Merchant Choice Routing activated, the transaction would be processed through Visa and it would cost this merchant $0.80 ($80 at 1.0%) to process the transaction.
If this merchant did have Merchant Choice Routing activated, the transaction would be processed through eftpos and it would cost them $0.25 to process the transaction.
In this example, it could be beneficial for this merchant to activate Merchant Choice Routing.