Completely understand your viewpoint, and I would've thought this made sense too, but I asked a zip co representative directly.
If it is tap and zip, it will go through as the interchange fee.
Tap and Zip has more benefits than you may think, page-21
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Change
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| No. | Vol. | Price($) |
|---|---|---|
| 3 | 46195 | $2.26 |
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| Price($) | Vol. | No. |
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