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The slow death of interchange as a standalone growth engine
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The slow death of interchange as a standalone growth engine
Interchange gets your foot in the door, but software, services, and recurring relationships keep it open. Interchange – the small fee collected on every card transaction – has been payments-first fintech’s easiest and most dependable source of revenue. Invisible to users, scalable at high volume, and seemingly recession‑resistant, it was the low‑hanging fruit of payments economics. It gave even a brand-new card startup a revenue stream from day …
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