Javi Fonda Vila

So if they charge 2.8% and we can get 20, 30% commission.

So we'll be having, I think, something like 0.8 or so or a little bit less.

Yeah.

And 8% is what Stripe charges from the standard rate.

I'm sorry.

Can you repeat that?

Because you're frisked a little bit.

Yes and no.

So we are not that ambitious and we don't think we're going to be able to capture the 100% GMB through the payment gateway.

So for example, when we've done our financial model thinking about the FinTech, we've only used the invoices between zero and 500 or 1,000 euros because we don't believe someone's going to pay an invoice of 10,000 euros with a credit card.

So actually, and we are going to...

work a lot on making sure the adoption of this feature is the right one.

This is not something that's going to happen day one, no?

So actually our model is that we do have four years to make sure that we're able to capture up to 6% of the GMB, but only on the GMB below 1,000 euros invoices, no?

So which, for example, last year out of those 4 billion, we had almost 800 million of invoices between zero and 1,000 euros, no?

Um, so we know when we release this feature, we need to work to make sure people adopt it and people understands it.

And, you know, so it's not going to be something from day one, but definitely it just makes a lot of sense.

And we've seen other success cases like wave app that they just live out of the, out of this, uh, financial service.

Uh, I don't know.

I don't have a lot of them, no, but, uh, I would say that today in our company, Slack and intragama are the two main ones.