By way of example, PayPal's merchant fees are strictly transaction based, whereas most Australian banks charge a number of fees on merchant accounts that have nothing to do with account activity – as a result, PayPal provides the merchant facilities for FieldCraft and not the banks. This kind of policy allows a business to idle during quiet times without incurring debt and makes for a very robust business model.
For demonstration purposes, PayPal's merchant fees are transaction-based, while many Australian banks charge various fees not connected to account activity – consequently, PayPal supplies merchant facilities for FieldCraft rather than the banks. This approach enables businesses to rest during slow times without incurring debt and forms a solid business model.