I'm not buying the 7% fraud rate you quoted.
And was it 0.6% fraud rate or was that the bad debt rate on TTV?
I think this whole thing is a bit above your intellect in this topic. It's hard to explain reality to you when you just don't get it. If you're going to make these statements then back up your facts and answer my questions. Such as 1) where did you get 7% from? 2) what are credit card charges normally in your experience? 3) is that 7% figure you quote for card not present acquiring or all acquiring?
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