"In Italy, fees go up to 20% per transaction, the highest in Europe for this kind of market. Current providers charge high commissions and pay in 60-90 days, which leads to restaurants and supermarkets opting out of the system."

https://www.forbes.com/sites/jonathankeane/2023/02/01/coverflex-raises-15-million-to-simplify-employee-benefits-in-europe/?sh=6df214d7fd87