I read the T&C change message and email but it only mentions that users who accept MC will now have a 5% reserve for 180 days. It does not mention raising the actual processing rates! I am paying only 4.9% now. Is my rate going up? Are they only going to take 4.9% as a processing fee or more now? The extra 5% is held back for 180 days but paid out to me after that time, right?
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