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by rprend
118 days ago
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Yes. Stripe’s 2.9% fee minus interchange (interchange is variable, on average 1.9%) is higher than Mastercard or Visa’s take of .14%. But it’s not so simple, because Stripe faces liability for merchant fraud. If you are high volume you negotiate IC+, where the plus is .1%-.4%. The valuations price in expected growth as well as unit economics. Mastercard doesn’t have as much room to grow because cards already saturate consumer payments. |
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