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You have this multicultural situation, not only with many languages, but even with customers' payment behavior.
Sainsbury's and Tesco say they do not track or monitor their customers' payment cards.
Its report (pdf) says: In this second financial year (April 2012 March 201313) the contractual performance level for the JSA 18 to 24, JSA 25 and over and ESA new customers Payment Groups were 31.9%, 27.3% and 5.3% respectively.
And tokenisation is appealing, given the recent data breaches at big American retailers (Kmart, the latest victim, announced on October 10th that some of its customers' payment cards had been "compromised").But even Apple's magic may not be enough to make mobile payments fly.
"For a small company, getting paid on time can mean the difference between having cash for an expansion and borrowing to pay the bills," Hannah Clark writes in Inc. "But if you're a minor vendor, you may be last on your customers' payment priority list".
And though e-tailers have adopted nearly every merchandising and marketing gimmick of their offline counterparts this year, they have been slow to give customers payment options other than credit cards -- in particular, extended payment plans -- that are the the hallmarks of many traditional retailers.
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Most will keep sending customers' payments to Mr Vasquez's state-run Telemedia office.
Insurer Aviva is planning to return a chunk of its surplus capital to policyholders, giving most of its customers payments of between £200 and £1,150.
In 1884 cash desks were placed at convenient points to take customers' payments; up to that point most large retailers had used mechanical devices or runners to move customers' money and change between counters and a central cash station.
Before many provisions in the Credit Card Accountability, Responsibility and Disclosure Act took effect earlier this year, credit card companies routinely applied customers' payments first to balances with the lowest interest rates.
The objective is to minimize customer payment cost.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com