The rates are a great advantage with the new technology, this is because the deductions for transactions in stores that use Graft technology are low ( the fee is a constant 0.5% across all volumes, plus 0.25% to 0.75% for SLA & services) compared to the traditional system that is expensive as implemented by the credit cards (charge around 2~3% for every transaction) to the merchant and these high rates in turn transferred in collections to customers. These transactions are only a fraction of the rates that make these payment systems, which is why businesses can give discounts to their customers and thus promote their marketing and increase their sales and profits in their stores.