Hmm we might have to give up on this. I acknowledge all your points made, I simply disagree & think it should be incorporated as a variable cost when price setting. CC fees are not neglible, they are anywhere from 1% - AmEx 2% so Afterpay at 4% is a maximum of 2% - 3% more than your average CC fee (which is incorporated in transaction fee by APT).
Merchants charging fees for using APT, page-78
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