Totally agree and exactly what I wwas posting here >...

Totally agree and exactly what I wwas posting here > https://hotcopper.com.au/threads/card-scheme-rules-acquiring-bank.4671626/

The Splititi approach is so common by banks, that the card scheme rules even call it .... "split payments"

Splitting payments has been around for donkeys years. Easy enough to google the card scheme rules and see for yourselves.

Now that there is also a cloud over the patents, whats left in this of value?

https://hotcopper.com.au/threads/patents.4671610/page-37?direction=previous

DYOR , but less than $500k of Revenue does not a $200m company make.