Its breakthrough came in 2005 when Wal-Mart (WMT) partnered with it for the Walmart MoneyCard, which customers load with money when they cash a paycheck or tax refund at a Wal-Mart.
Sears, Toys R Us, the Gap, Old Navy, Wal-Mart: Edith has opened and closed cards at those stores before the companies that issue the cards could make a cent off her.
Any substantial increase to the price of inventory would ripple with an increase to the consumer and a tightening of employment capabilities for Wal-Mart, Kmart and to a lesser extent Target.