Which one of these is most accurate in regard to ATM surcharge fees? Most banks charge their customers a surcharge when withdrawing money from the bank's own ATMs. An interchange fee is charge to a customer's bank when they withdraw money from an ATM not owned by the customer's bank. All ATMs are owned by banks who set the surcharge for withdrawal of cash. In a "surcharge free" ATM, no fee is collected when cash is withdrawn. Question 46 ( 2 points) are an example of consumer-facing payments services providers. Processors Federal Reserve's Bank Payments Services Virtual terminals Check cashing companies Question 47 ( 2 points) Who writes the rules for using cash for payment transactions? The Federal Reserve The US Treasury NACHA No one Ensuring clarity of focus on the helps ensure the most appropriate alignment between customer and provider. card-not-present market identification jobs to be done innovation Question 49 ( 2 points) recognized the potential to enable smart phones with wide area network connectivity and availability, to be used as credit card accepting devices. PayPal Kabbage Square Wells Fargo ACH Question 50 (2 points) Fedwire is considered one of the major banks for wire transfers. True False