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 example, PayPal's merchant fees are strictly transaction-based, whereas most Australian banks charge various unrelated fees on merchant accounts – as a result, PayPal offers merchant services for FieldCraft instead of the banks. This policy allows businesses to operate during quiet periods without accruing debt and supports a robust business model.