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What made you decide to charge the payer as opposed to the payee for transactions? For instance, in the PayPal system, money can be sent at no charge to the person sending the money (the payer), and the charge is instead taken out of the whole amount at the receiver's (the payee) end; whereas in the ePassporte system, the payer is the one who receives the charge, and the payee receives the full amount.
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