If its covered in the topline sale price then the consumer is essentially paying the APT fee (the fee is embedded and "passed on")
Furthermore, consumers who dont use APT are cross subsidising those who do
The retailer decides part of their margin, but the competitive market decides the margin morso
Similar to how the good guys used to have a "pay less pay cash" motto i could see similar things happening with BNPL
Merchants charging fees for using APT, page-75
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