do you have a specific use case in mind where it’s a big advantage ?

2.6% + fixed fee seems to me mildly high for a card in the reader + pin entered type of solution. Also chargebacks should be ridiculously rare in this setting.

2.6% + 10c with no contract fees, no cancellation fees, no minimum amount of purchases per month. It actually comes out to not be as expensive as most people think.