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Thats good for you mate - im happy that you are proud of yourself.

Is this a bull forum only or a stock forum? Does hot copper have sentiments buy/hold/sell or only buy? Are you so fragile that you cannot accept any negative views on stocks you hold ? Perhaps you have some self esteem issues - please seek assistance, there are services for that.

If a customer comes via the APT funnel do the website, and at checkout has the option to use a normal payment method or APT for a 4% surcharge, what do you think they will choose?

I am struggling to see the loyalty link here - assuming APT website is a funnel lead like you say, how does that translate to the consumer picking APT as the payment option if there is a surcharge?

I imagine the customer journey could be
a) customer finds shop via APT website
b) customer buys a bunch of goods, and goes to checkout
c) customer can pay via a normal method (e.g. paypal or CC), for 0% surcharge, or APT for 4%. Theres very few rational consumers that would choose APT