1. Kudos for handling your mistake gracefully. 2. As of this writing, almost everyone responding to you is using 0.4% as the pricing, when their page shows it'

1. Kudos for handling your mistake gracefully. 2. As of this writing, almost everyone responding to you is using 0.4% as the pricing, when their page shows it's actually 0.5% for the scenario you described ($100k in a year). The lower rate only kicks in if you process over $100k in a _month_. Unless they've changed their pricing details in the last hour, that's another great reason to let them handle this! Clearly we, collectively, don't have the attention to detail required for this ;)