{"meta":{"slug":"spend-100-flow","figure":"Fig. 8","title":"Where the $2.50 a shop pays on $100 goes","source":[{"name":"Federal Reserve","href":"https://www.federalreserve.gov/paymentsystems/regii-average-interchange-fee.htm"},{"name":"Visa","icon":"visa"},{"name":"Paymentscan","icon":"paymentscan","href":"https://paymentscan.xyz"}],"asOf":"2026-09-30","kind":"chart","placement":"Sec 2, The app, at the [chart: the Sankey] placeholder after the $100 table","footnote":"Sumcap estimates, US prepaid card, in person"},"columns":[{"key":"from","label":"From"},{"key":"to","label":"To"},{"key":"usd","label":"Amount","unit":"per $100","kind":"usd","bar":true}],"rows":[{"from":"Shop pays","to":"Shop's bank and network","usd":1.1},{"from":"Shop pays","to":"Interchange","usd":1.4},{"from":"Interchange","to":"Network","usd":0.12},{"from":"Interchange","to":"Processor and sponsor","usd":0.4},{"from":"Interchange","to":"App","usd":0.88}]}