TRANSACTION COSTS

9 Months Ended

Sep. 30, 2025

TRANSACTION COSTS

TRANSACTION COSTS

NOTE 16 - TRANSACTION COSTS

Composition of transaction costs, grouped by major classifications, is as follows:

	Three Months Ended				Nine months ended
	September 30,				September 30,
	2025		2024		2025		2024
Bank and processor fees	$	31,626	$	26,823	$	90,968	$	76,678
Network fees		8,249		6,241		22,075		16,957
Chargebacks and operational losses		1,544		2,978		4,994		8,554
Card costs		370		454		1,119		1,560
Capital advance costs, net of recoveries		222		1,405		1,951		4,927
Other		472		157		1,291		309
Total transaction costs	$	42,483	$	38,058	$	122,398	$	108,985