Thank you for your question.
As Mr. Kelly said, a conflict of interest does indeed come into play. The situation leaves us in a somewhat strange position. We didn't really set out to create the current perception.
Like all other industry purchasers, Stripe should be passing on fee reductions to others. The company's decision, however honest, is a real disappointment. It's deeply disappointing for the small and medium‑sized businesses that make up its client base. Minister Freeland said that every stakeholder in the payments ecosystem should play by the rules. It's all the more disappointing that some companies are choosing not to pass on fee reductions to their clients.