BNPL merchant fees typically range from 2% to 8%, significantly higher than credit card fees (1.25%-1.5%) . Currently, BNPL providers often prohibit merchants from passing these costs to consumers through surcharges. However, the Reserve Bank of Australia (RBA) has proposed allowing merchants to apply surcharges equivalent to the BNPL fees, aiming to enhance competition and efficiency in payment systems . This potential change could shift costs to consumers, altering the dynamics of BNPL usage
BNPL merchant fees typically range from 2% to 8%, significantly...
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