Barbeques Galore will use a Pay By Bank solution from Waave in its Barbeque Legends Club loyalty program. Pay By Bank solutions bypass Visa and MasterCard payment rails and, in other markets, cost less to use and allow for bonus loyalty offerings to be funded from the savings made. Woolworths was first to launch these payments with PayTo in May last year. These bypass Visa and Mastercard's rails on which much of the merchant-funded and card-linked loyalty offerings in our market rely. Outside of the Big 4 Banks, Woolworths is the biggest payments processor ($60 billion annually).