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> To PayPal's credit, this was their first rate increase in a very long time if not forever.

There is no reason to assume that rates should go up at all, it's not like the % you take needs to be corrected for inflation.



The opposite in fact. All costs should decline over time.


When you fail to attract new customers but your shareholders continue to expect their holding's value to increase, a price increase will temporarily show gains on your balance sheet. The downside is that you've also provided additional impetuous for your customers to consider alternatives.




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