just to point out one thing after reading your posts Stefan.
Alipay under Ant Financial charges a rate of 0.6% for merchant fee.
Bnpl services under Alipay charge 2.3% for 3 instalments, 4.5% for 6 instalments and 7.5% for 12 instalments. merchants can choose to cover some fees for the customers or customers need to pay from their own pocket.
It's the scale which matters at the moment.
But yes, agree with you that it would be good if key figures for margin rate can be included in the report.
just to point out one thing after reading your posts Stefan....
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