I was talking about the underlying merchant fees. In the US, it’s not unusual to pay 3% on cars transactions and I can’t help think that a large part of that is

I was talking about the underlying merchant fees. In the US, it’s not unusual to pay 3% on cars transactions and I can’t help think that a large part of that is to deal with fraud. After all, Australian banks are some of the most profitable per customer in the world.