Now this is a decent presentation as far as I can make out and...

Now this is a decent presentation as far as I can make out and probably the best so far which also explains things we have not known in the past
All coming together for us

Here is a bit about how payments are done

Identify Customer $ Flat Fee AML
CTF function Fraud/ Risk Engine $ Flat Fee
Payment function & AML/CTF function Process Payment $ Flat Fee
Payment function Verify Customer $ Flat Fee
AML/CTF function Payment Settle $ % of transaction Acquiring/ settlement Issue Card $ % of transaction Virtual card issue Page 10 M