Thank you for flatly rejecting that concept.
MasterCard claims its fee per debit card transaction is 0.5¢. Yours is 0.8¢. It looks like predatory pricing; it smells like predatory pricing; it might even be predatory pricing. You're pretty experienced with this market and you're running it on a break-even basis. On the face of it, it looks like they are trying to muscle your markets. Is that correct?