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> Credit card companies, for comparison, charge a few percent. The EU has even limited the maximum interbank exchange fees to 0.2% in 2014.

There are fees other than those to processes a credit card payment.

Each card brand has its own assorted assessment fees. Some are percentage based and some are pre transaction. Your payment processor also has fees, typically per transaction.

For small transaction, such as a $1 app or song purchase, those fixed fees bring the processing cost to a lot more than 0.2%.



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