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Hi Adam, Thanks for sharing the insights frequently. I am curious to know top 3-5 reasons local merchants had stated on why they have not opted for pre-payments options yet? Some of the below I have stated down from your article:

1. Lack of proper refund process from IPGs

2. High integration cost

3. Customer trust (which obviously merchant has to deal with)

Secondly, I think merchants can incentify the customers by lowering the delivery cost additionaly by 5-6% when customer opts for pre-payment, resulting in market edge by large number of customer visits

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