You and your friend go to McDonald's. You both order a burger, drink, and fries. Your friend pays with a VISA and receives his order. You pay with a MasterCard, and you get your burger and fries, but they tell you that you can't have your drink for 30 minutes because beverages are VISA exclusive content. EDIT: Because MasterCard refused to pay an extra fee so that MasterCard users could get timely drinks, but VISA did, this is MasterCard's fault for not complying with extortion. EDIT: Because McDonald's advertised this ahead of time, it's your responsibility to go spend $300+ to get a VISA or always have to wait for your beverages. EDIT: "Fraud is a deception deliberately practiced in order to secure unfair or unlawful gain." By using the terminology "exclusive content" they deceive the consumer into believing that both parties receive the full content but one gets more. The reality is that one party gets the full content paid for while the other gets most of what they paid for. This tactic drives sales on one side at the expense of the other, thus achieving an unfair gain via deception.