Daily Price Movement / General Discussion, page-13471

thanks sebbyv

no we dont know average merchants % (i did push it up to 4.5% in the last example (which makes quadpay more expensive than afterpay in usa)

i think I had non intergrated ave purchases down to ~ $90. in last example but is another unknown variable.

if i apply the $75 ave at non-intergrated for 90% of transactions it leaves ~ $282M at merchant rate (ave purchases at intergrated merchants become ~$630)
(imo this is a real scratch)

(lets say @ 5% merchant fee) is ~ $14.2M plus convienence fee revenue ~16.2M
leaving 11.7M in late fees (27%)

i really believe that example pushes the limits beyond reality but thats only my opinion.

100% agree even if late fees are 40% + they will trend down.

Im now under the impression quad are charging the $4 fee for ALL purchases, if so that would make a significant difference in my calculations.

do you have any info to that fee?

also if merchant fee is 5%+ this leads to another question especially if quad is more expensive vs apt whats the benifit for a merchant to sign up if the customers can already purchases from them??