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This is quite true for merchants who are on 3-Tier and Enhanced BillBack credit card pricing. Processors are not compelled legally to reduce the rates. Are generally only reducing one component your rate, Interchange, while not the other two components, Visa/MasterCard assessment and the processor's small amount.
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Do not confuse these lenders with payday loan companies. Payday loans are extremely high interest rate loans that can be paid in a matter of weeks, not years. Cheaper in interest can come with annual interest charges of one hundred pc or raised.
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