Ann: Business and Funding Facility Update, page-60

you're correct, i said interchange fees and that was wrong and i take that back, what i meant (and makes sense in context of the cost to the retailer) is the net cost of accepting card/terminal payments online or offline. https://www.cardfellow.com/average-fees-for-credit-card-processing/

on interchange fees, klarna charge 10 bps above the standard interchange rate to simply process any transaction when they takeover an online platform, regardless of your payment option, quite a different model to afterpay