Understanding the cost of payments is important for firms so that they can use their resources efficiently, boost profitability and increase competitiveness, which ultimately benefits society as a whole. The Riksbank's survey shows that companies' perceptions of the costs for receiving payments vary, but in particular many find it difficult to make an approximate assessment of the cost. Almost one in three firms could not estimate the approximate cost of receiving payments as a proportion of annual turnover. The fact that so many were unable to answer this question indicates that greater clarity is needed regarding the pricing of payment services to enable competition. More on the Riksbank's view of payment pricing can be found in the chapter Future payments infrastructure needs to evolve.