Originally Posted by DCBob

True. However, it has been reported elsewhere that the largest merchants (like Walmart) pay a flat 1% fee on each transaction. That would be $5 per $500 VR card. And they DO NOT get ANY discount on the actual cash that you load. If there is any breakage, it's kept by InComm. InComm ain't giving away cold, hard cash to anybody. I scoff at the idea that CVS is getting 1% of the load in addition to the $3.95 loading fee. VR cards are not like gift cards for a specific store (where the store is getting more business) or a debit card (where Amex/Visa/MasterCard generate revenue from transaction fees). So CVS does lose on every purchase over $395.00. Now, I assume they figured that the loss would be made up with other in-store purchases generated by the sale of VR cards. Maybe.