[WestCoastFunding]

iam not worried a bit of how my company handles our merchants
i agree with your points however my worry is not about cojs being gone

its the fact that they go after cojs who will know what they are after next for example capping interest to merchants hurting how much we can upsell

May be off topic, but I Once saw a study that said financial companies spend 14-21% on marketing. By using ISOs you’re effectively outsourcing marketing (minus ISO relations salaries). With that having been said, there’s a case to be made that ISOs therefore are justified up to 21%. Sure the costs are passed on to the business, but if the funders were direct marketing, they’d be passing on similar costs.