C) Or they're seeing more transactions that maybe be fraudulent, or not. And their users (sellers, and perhaps to some extent buyers) are asking such transactio

C) Or they're seeing more transactions that maybe be fraudulent, or not. And their users (sellers, and perhaps to some extent buyers) are asking such transactions be allowed. The increase is to cover the increase in risk. Note: Not defending the increase. Only pointing out there's a possible upside for their market. Yes, at a slightly higher price.