Merchants charging fees for using APT, page-72

This whole argument is wasted on this thread & is mostly full of incorrect logic & ridiculous arguments (particularly your Kogan analogy).

Transaction costs should be a variable cost of goods sold & margin should apply on top this. It should not come off topline revenue & as such be a hit to profit.

Presumably most/all competitors are providing comparable options for payments - as such average costs of these transactions should be borne by the customer in the sell price, rather than the retailer.

Its not that difficult to understand.