Correct. So if you're using a Gold TD card, or a basic Royal card, or an Amex card, the fee is going to be the same.
How PayPal fees are structured, as I mentioned, at 1.9% plus 30¢, up to 2.9% plus 30¢, depending on your monthly sales volume. So whether you're doing $3,000 a month or $100,000 a month, there's a sliding scale. It has four tiers and it's a published rate. Unlike most other acquirers who don't publish any of their fees anywhere, our fees are online —at PayPal.ca/fees. It's very transparent. It's based on your monthly sales volume and it doesn't matter what the funding mix is in any given month or any given time period whatever card payment you're processing, because that is a burden. Sometimes you have no control over what credit card a consumer is going to pay with, and you shouldn't have to worry about that burden either. So on top of other things like the incremental costs you may have downgrade fees, I think the acquirers sometimes call them. That is, when you process a certain percentage of premium cards, there may actually be an additional fee on top of the transaction fee. There are no other hidden fees like that.
Probably the best way to describe it is that the fee PayPal provides you is a net rate. Often fees published elsewhere are gross rates, and they will vary depending on the type of volume and type of card mix you have.