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In South Africa I notice this difference all the time where the big supermarket chains seem to be near instantaneous while small stores are 10+ seconds.

I'm certain it's because the big store's card machines have a wired network connection to a router with a fibre connection, while most smaller shops just use card machines with integrated GPRS wireless modems as they even show feedback about connecting as you tap your card.

A stall vendor who I use somewhat regularly warned me one time that her card machine was down (I guess some kind of maintenance as it was earlyish on a Sunday morning) so would only be able to accept cash. I helped her put the card machine on a nearby shop's free WiFi and not only did it work around the problem, but it made card transactions going forward significantly faster.



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