I have a friend who owns a store in Kokkola and he wanted to accept Amex because his clients have asked for it. He contacted Amex and tried to make a contract but the swipe fees that Amex wanted, were way too high. Also the contract wasn't any beneficial to the entrepreneur so he had to give up and not to make the contract. He would have lost money and also he would have needed to sell his soul to Satan with that contract.