I know nothing about Pin's business model, but I bet the answer is "No" - in most processors like this, foreign exchange is what actually makes the profit for t

I know nothing about Pin's business model, but I bet the answer is "No" - in most processors like this, foreign exchange is what actually makes the profit for the company. The $50/$0.30/3% you pay will cover expenses and make a bit of money, but the margins are pretty tight on that part of the transaction - it's all the FX leveraging/charging they do with your non-AUD income that actually makes the company viable.