20 million customers doesn't mean 20 million transactions. Considering we are talking about a convenience store I'm sure a large chunk of their customers visit every day, some probably multiple times a day.
Assuming 3.4 million customers (cash users) and 2.5 cents average loss per transaction, it would only take one visit a month for them to cross a million dollars in losses.
Of course at that scale it's not like that million or two is really making a difference to their bottom line. Doing some quick Googling their annual revenue is estimated to be $6-7 billion.
Plenty of people stop somewhere to get hot breakfast and coffee every day. If you also need something that can't set in your car all day (e.g. milk) that would be a second trip in a day.
Whether that's convenient or not depends on location... If it's right off your route to work/home, a stop may only add a couple minutes to your drive.
Assuming 3.4 million customers (cash users) and 2.5 cents average loss per transaction, it would only take one visit a month for them to cross a million dollars in losses.
Of course at that scale it's not like that million or two is really making a difference to their bottom line. Doing some quick Googling their annual revenue is estimated to be $6-7 billion.