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I found this video to be a good explainer: https://m.youtube.com/watch?v=R1JaMRpcDrQ&pp=ygUbQnV5IG5vIHB...

It seems like many of them act like credit cards and charge the merchant a percentage, since they “drive consumption” and encourage people to buy stuff. Of course, this fee will likely be added into the price that all consumers pay, so as these get bigger, we all will be subsidizing interest free loans to people in the form of 1%-3% higher prices. Much like credit cards are today.




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