NOTE 16 - TRANSACTION COSTS Composition of transaction costs, grouped by major classifications, is as follows: | | | | | | | | | | | | | | | Three Months Ended | | Six months ended | | | June 30, | | June 30, | | | 2025 | | 2024 | | 2025 | | 2024 | Bank and processor fees | | $ | 30,684 | | $ | 25,476 | | $ | 59,342 | | $ | 49,855 | Network fees | | | 7,358 | | | 5,680 | | | 13,826 | | | 10,716 | Chargebacks and operational losses | | | 1,076 | | | 3,689 | | | 3,450 | | | 5,576 | Card costs | | | 366 | | | 587 | | | 749 | | | 1,106 | Capital advance costs, net of recoveries | | | 661 | | | 1,485 | | | 1,729 | | | 3,522 | Other | | | 421 | | | 44 | | | 819 | | | 152 | Total transaction costs | | $ | 40,566 | | $ | 36,961 | | $ | 79,915 | | $ | 70,927 |
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