You underestimate "or more."

BTW, I'm now playing the payment processing game on the intake side. No profit for me taking credit card payments send in via no fee AP, etc. just doing it as a public service. Small irregular payments from a mix of customers to keep the red birds happy, with the money flowing back through another no fee channel so the red birds can't squawk. May also go the square, venmo, intuit route, but that path takes a nick out of the transactions. Gotta keep a hand in the game, although miles are unlikely to be of much value to me this year. Unfortunately, sometimes you have to actually buy tickets to generate BITS miles to qualify for several years of free lounge access. Boo, hoo!