Interesting, so that deal is a lot of smoke and mirrors, what a surprise...
Out of curiosity I just went to look at my Moneris statements but it's like hieroglyphics... only worse! Thankfully it's a small part of how I get paid. I do pay more due to most of my usage being manual entered, there is a premium for that.
What I am curious about is the cut Moneris/Chase take. In the end we all know it's those who carry a balance that subsize those that spend like mad and pay in full...and the odd churn..