That's largely bollox, erm. Folk are only using cards because Free Now programme them to use cards. Even at that most of my Free Now work is cash. Anywaysanall, your Sumup system can't compete with Free Now on two major fronts. First, it will reject payment if the client has no funds available, Free Now won't. Second, your client needs to have his card with him and hang around waiting (could be well over an hour on New Year's Eve, for example) for the transaction to be authorised, with Free Now they don't need to root around for the card they just get out and get on with whatever they're doing wherever they're going.