I would love to know how it all works in the background as well, but I guess it's their business to know that. If they are offering it then it's obviously worth it for them.
Larry also mentioned he's playing the long game... my guess is that he's just getting ZIP out there everywhere. so it's a household name.
So it may be a small margin but in the long game that's irrelevant.
Google pay, page-58
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