RBA speech - No surcharge rule, page-51

Given basket sizes are massively increased along with conversion rate, the afterpay fee is the cheapest sale discount the retailer can have to make an impact. nobody has 4-6% off sales and gets 30%-100% more sales. So they don't need to pass on anything as Afterpay is giving them extra profit and probably reducing their marketing costs etc... it's free for everyone in practice...

Anyway, keep talking about a pointless issue everyone