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For example, Tom Thumb, Albertson's, and Kroger's are all the same company.

This is not true.

Ah, yeah, I apparently missed with Kroger there. Market Street, Randall's, Von's, United, Safeway, Tom Thumb, and Albertson's are apparently the same company.

See: https://www.albertsonscompanies.com/home/default.aspx

They can still be different companies but choose the same provider regionally for their payment processing.

There are many third party vendors that depend on this business to provide entry points for merchants to the VISA network.

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