It's simple, if we break it down to "business 101"... Merchants benefit from offering Afterpay outweighs the 4% fee. So.... Afterpay is a positive to merchants and makes a 4% cut... soooo... not sure why we going in circles on whether 4% is a lot or not... It's a complete mute point if paying 4% creates a bigger benefit to merchants...
Merchants charging fees for using APT, page-41
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