Hmm we might have to give up on this. I acknowledge all your points made, I simply disagree & think it should be incorporated as a variable cost when price setting. CC fees are not neglible, they are anywhere from 1% - AmEx 2% so Afterpay at 4% is a maximum of 2% - 3% more than your average CC fee (which is incorporated in transaction fee by APT).
APT Price at posting:
$66.31 Sentiment: Hold Disclosure: Held