Well, a payback plan is set by choosing blackout dates, for example. If Saturdays don't count, it will take longer to pay back the loan. (I should say the probability increases that the life of the loan is lengthened). I don't know any of this for sure, but will query the owner for more info when I see him again.

I have a feeling that depending on past revenue of the restaurant, idine determines which options/blackouts the owner is allowed to set. The higher the average revenue, the quicker the payback of the loan. A high revenue restaurant must be allowed to set blackout dates as it is otherwise a crappy deal for the restaurant because the loan is paid off too fast.

Another option is to not take the entire guest check as payback but just half to lengthen the time of the loan. In this case, the guest kickback is only 10% or 5 miles. However, lessening the kickback results in a lesser likelihood of people choosing this restaurant for miles.

I assume one of the idine selling points to the owner is an increased, new customer base that otherwise would not have spent money there. So basically they tell the restaurant that the loan is paid by new customers or incremental revenue that otherwise would have not existed. The restaurant owner gets cash from the loan and more exposure, idine gets a 60% return on their money. How fast the loan is paid back is determined by blackout dates, how much is taken out of the check which in turn determines the bonus the guest earns.