Stephen Cuthbert ‘summed’ up well the dilemma of do-you/don’t-you offer PayPoint/Payzone services. He writes: “I have two stores and in the last quarter they did £168,000-worth of business with PayPoint and Payzone, for which I have been paid £1,047 commission. Banking costs come to £787 and a phone line costs £44, which leaves me with a profit of £216 for 13 weeks between two stores.

“I am in a quandary. Do I tell them to shove it, and what would that do to footfall, or do I just carry on regardless? No wonder the big boys don’t touch them!”

I suggested to Steve that, as he had done such a good analysis on the figures, why not do one on footfall and whether customers are actually buying anything else at the same time?