In general, small business owners must pay a subscription fee to PG or VAN companies to use the payment service. This payment service registration sets the merchant fee rate, and since both PG and VAN charge low merchant fees to large companies such as Amazon, not small businesses, small business owners have to pay higher transaction fees than large department stores or large online shopping malls. The reason why high fees occur when using the payment service is that structurally, 4 to 5 intermediate participating companies in one payment process divide and process various tasks.
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