Originally Posted by Jim_Gunn

I don't have enough data to answer this on my own, but are you saying that they have a higher fee rate PLUS a 5% holdback? Or are you saying that the 5% holdback added to the 4.9% discount processing rate effectively (at least in the short term of six months) doubles the processing rate to approx 9%? It's one or the other. Zombaio only claimed they were adding a holdback. not actually raising the processing rates too.