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During the past twelve months, our merchant fee charged by the bank has increased from around 0.87% - 0.97% to 1.05% - 1.37%, depending on the type of credit card used by the customer.
Any credit card attached to a high rewards points programme is charged a higher merchant fee by the banks. We therefore decided to increase the merchant fee to a middle range of 1.3% to cover our costs.
As you can appreciate we have no control over the type of credit cards used by our customers and nor do we have a mechanism to identify whether a customer’s credit card is a high rewards card or not. Thus it was neither possible nor practical for us to charge different rates so we decided to apply a flat fee across all cards.
Has anyone recently signed up to YakPay?
Their signup page 404 errors for me and has been for a week now. I tweeted to the company last week asking if it's down and I haven't heard anything back yet so wondered if it was just me?