[Big Mack]

big a paper shops - reps get paid a very small % but they usually do huge volume.
smaller shops - prob make 1.5-3% on deals (can be guaranteed points or based on O fee)
most places wont clawback internal - there is enough shops that need reps vs the other way around that the reps can ask for no clawback

also bad for morale if trying to run a good shop when you claw back iso rep

This is accurate. I worked for a funder that paid 1 point up front and another point in the back end to eliminate clawbacks. When I worked at WBL, they paid a percentage of the revenue that would be generated from the deal, so commission was heavily affected by buy rate.