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https://codenovice.base44.app/functions/socialPreview?slug=the-hidden-cost-of-card-payments-why-merchants-lose-3-7-percent

The Hidden Cost of Card Payments: Why Merchants Lose 3-7% Why Merchants Lose 3–7% on Every Transaction. Interchange fees. Scheme fees. Chargebacks. Settlement delays. AI Governed. Closed-Loop. 6%+ Structural Advantage.