As with financial institutions,much like paypal and payroll companies, they hold the money under their agreement (unless you use their invoicing and shipping lables AND PAY) as a float. So if 5m people have $20 pending for any period of time, look what paypal stands to gain on the interest float..It isn't really about what your rating is...it's about the float. Their major profit is not on the % they charge for your sale...it's on the accumulated funds in a day in the market. It's brilliant on their part and tough on us when we want our money.
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