Earlier quoted context omitted.
> Generally, we hold to the offered rate even in the case that the card mix changes and becomes more expensive. In the case that the card mix becomes less expensive, we'll decrease the rate as our costs have changed and we can offer a better price. Our pricing is always based on the costs of the transactions, rather than volume alone. This poses an interesting optimization problem. Given that model, a customer should…
That's assuming we're only looking at the card mix for a given month. Generally, we're looking at a trailing 3-month period -- and if a user wants to email us every three months to ask if we can lower their rates, we welcome them to do so. We've certainly thought about how we can be more open with our pricing, as Patrick mentioned, and for customers that want details about why their rate is the way it is, we'll defin…
This would be a huge win for customers if we could find a way to work together to bring prices down even further!