对于每笔购买交易，银行都会为此向商户收取手续费(折扣费)，在商户收到同意付款前，可能会有一定延迟。
For each purchase, the bank charges the merchant a commission (discount fee) for this service and there may be a certain delay before the agreed payment is received by the merchant.
德国的银行赚钱能力很强，可以通过抑制红利和延迟付款来增加资本。
The German bank has plenty of earnings power and could add to its capital by showing restraint on dividends and pay.
此项激励机制分三次付款，其依据是人们通常认为直接而非延迟的满意感具有更大的价值。
The incentives, paid at three intervals, played on the greater value people often place on immediate, rather than delayed, gratification.
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