I mean thats the honest truth. They would just take the money. There really aren't industries that competitive where they would gain a whole lot of market share if they could charge lower interchange fees. It would make a difference on the margin for small struggling businesses. Its one of those things where they look at costs, and see the large number next to processing fees and try to figure out ways of not paying it. They're doing the same with electricity, wages, costs of products they sell, taxes, etc. Its just what companies do: Maximize revenue/profits, minimize costs.