$3bn in volume equates to around $90M (~3% of volume) in fees. Not an insignificant amount of money but when your revenue is approaching $10B, it doesn't move t

$3bn in volume equates to around $90M (~3% of volume) in fees. Not an insignificant amount of money but when your revenue is approaching $10B, it doesn't move the needle. Also, this money is divided up among all the players. This includes the network (Visa, Mastercard, etc.), the Bank (every credit card has an issuing bank), and the acquirer (Stripe).