Merchant Class Settlement Mastercard Frequently Asked Questions Merchant Surcharge," Page 2. We have a good article on surchargeswhat they are and how to implement themso be sure to check the article out as you consider your options. )[0]Connecticut State Department of Consumer Protection. Introduced as a way to combat guests bringing outside desserts, this fee has been known to be as high as $25 (though that particular case was highly criticized ). Learn more. Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. But they have to be a flat fee (say, $2 per transaction) rather than a percentage of the transaction amount (such as 2% of the total). Cannot charge both a convenience fee and a surcharge. Most ACH payments run through the ACH Network operated by Nacha. Khadija Khartit is a strategy, investment, and funding expert, and an educator of fintech and strategic finance in top universities. Some smaller businesses (like food trucks or stands) may not even accept credit cards to avoid hefty processing fees. Tina Orem is an editor at NerdWallet. Generally, a surcharge is added to a product or services regular price when a customer pays with a credit card. The exact amount depends on the company, what credit card you're using and the merchant services provider used. As mentioned in the introduction, adding a credit card surcharge is another way to offset credit card fees. Average Credit Card Processing Fees and Costs in 2021,. menu or price sticker) and then add a fee during the sale if another payment type is used. Convenience fees are meant to be disclosed at the point of sale, so if you discover you have been charged a fee after the fact, it's important to take this up with your credit card company. There are really only two options when it comes to convenience fees; either to pay the fee or to use another form of payment, such as cash. In most cases, its perfectly legal for merchants to impose convenience fees or surcharges, but it all depends on where the transaction occurs. Gallery. [2] According to the Federal Reserve, the average debit card interchange fee was 0.51% for all covered transactions in 2020. An operation that stores, prepares, packages, serves, or vends food directly to the consumer or provides food for human consumption: Examples include a restaurant; satellite, commissary or catered feeding location; catering operation (if the operation provides food directly to a consumer or to a conveyance used to transport people); market . [2023]. While we make every effort to ensure that facts stated are correct at the time of publication, we do not accept any responsibility for keeping this information up to date. . Right now, youre likely examining every aspect of your operations to see where you can save money or offset some of the costs of business-ownership. If you do not wish to pay this fee, please click cancel below to return to the previous page. Must disclose clearly and give the cardholder a chance to cancel the payment before paying. Likewise, if the merchant imposes the fee without telling you, then you may also file a complaint with the Consumer Financial Protection Bureau or related agencies. From a practical standpoint, if you use the Visa rules and just add Discover card as a payment option, you should be satisfying Discovers requirements for convenience fees. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. Adding on a convenience fee can be a good way to help offset those costs., However, before you implement convenience fees at your business, its important to understand exactly what they are and how they work. based convenience fee, the entity that is considered the merchant is at risk for being cited for being in violation of Visas rules. However, credit card associations Visa and MasterCard are members of the associations. The three-judge panel affirmed a lower court finding . A restaurant dual pricing program typically offers customers a 3%-4% discount for using cash instead of a card. Convenience fees are for merchants that have multiple payment channels. Convenience Fees. Below, we will go through the rules implemented by Visa, Mastercard, Discover, and American Express so you can have a better idea of what you might have to do to charge a convenience fee. It depends! Convenience fees are charged by businesses to cover the cost they pay to. A convenience fee is only added to non-standard payment methods. What Is A POS System & Choosing The Best For Your Business, Discover The Best Business Credit Cards In 2022, Best Business Credit Cards For Your Nonprofit Organization, Explore Business Credit & Banking Resources, How Signing a Personal Gurantee Affects You. This fee is the result of a lawsuit between retailers and the brands (Mastercard/Visa) that was settled in January 2013. A wire transfer is an electronic transfer of funds across a network administered by hundreds of banks around the world. Google Play and the Google Play logo are trademarks of Google LLC. Typically around 3%, according to the Los Angeles Times, the service charge is meant to go toward benefits like insurance and health care for employees. Previously, she was a financial analyst and director of finance for several public and private companies. Credit Card Surcharges. The service fee is usually around 10% or 11% of your order . A card surcharge is paid on credit cards and are usually calculated as a percentage of a total transaction. Convenience Fee: A charge assessed by a payee when a consumer pays with a credit card rather than by check or Automated Clearing House (ACH) transfer. PayPal is an electronic commerce company that facilitates payments between parties through online funds transfers. The IRS will accept credit card payments through several different payment processing companies, and they all charge convenience fees, as allowed by the credit card companies. If your business takes credit cards, then you know that you are charged a fee for each payment made with a card. Some merchants may choose to recoup these fees by adding a . However, in times of high demand, this fee may be slightly higher. Please double-check with your processor to ensure compliance.). It may be time to start looking more closely. Even if a customer receives a refund on a product or service, convenience fees would not be included in that, as they are a separate charge. Though the convenience fee is collected directly by the business, it goes toward offsetting the fees they are charged by credit card processing companies. Opening Hours. This is different from a convenience fee and, charged at the restaurant's discretion, is designed to go straight to servers and staff. The only official source for Pay.com logos, branding materials, and more. Fee must be a flat or fixed amount, regardless of the value of the payment due. So, when the customer prefers the card payment to cash or check, the convenience fee appears. As a regulated act, businesses must be cautious in instituting convenience fees and surcharges for customers. Convenience fees are a type of fixed-rate fee that some businesses add to a customer's bill when they choose to pay via a credit card. If you're feeling the crunch of inflation, try these 10 expert-approved tips to save on groceries, and avoid dealing with a convenience fee after your next meal altogether. Offering alternative payment methods for your customers can help bring in a wide range of business, but with it come additional fees, hassles, and risk. You can also charge service fees, which are convenience fees just for education or government entities, and they can be either a flat fee or a percentage of the transaction[0]Fiserv. A convenience fee is a fee that a merchant charges a customer for paying in a manner thats not standard for the business (for example, by mail or. She is a FINRA Series 7, 63, and 66 license holder. Typical cases where convenience fees are charged include payments for taxes and tuition. GSA SmartPay. While the risk of non-compliance seemingly is that of the third-party vendor if the vendor is functioning as the merchant, the agency is also at risk should the . This is called a convenience fee and is charged because some . October 5, 2022, 9:32 AM. Convenience Fees. How to Avoid Credit Card Convenience Fees,, Forbes. What Is a Convenience Fee at a Restaurant and Should You Be Paying It? Commission fees can account for about 15 to 30 percent of an order's sales, and major companies including Grubhub have been sued for alleged sneaky practices to ramp up fees . Accessed Apr 29, 2022.View all sources. Like American Express, Discover does not seem to have a rule on convenience fees. And now your favorite restaurant can be upfront about charging you more to cover the fee it pays to credit card companies to use their services, and why it's doing so. The payment processor payUSAtax charges a flat $2.55 . Most recently I spotted the fee on the menu of an Italian restaurant as $1.50 per person. Because convenience fees are legal in most locations, you can implement them relatively easily. However, there are some specific rules set forth by the major credit card companies that limit how and when convenience fees can be applied: As these all stipulate that the fee has to be applied equally across the board, you could use Visas rules as a basis for your convenience fee charges, to ensure you were complying with the regulations. Disclaimer: NerdWallet strives to keep its information accurate and up to date. KENNEDY: Restaurants are reopening in . It is indeed legal. At least that's how it appears but the credit card . Want all your POS hardware and software in one place? However, you can sometimes pass credit card fees to a customer instead of having to absorb them as a cost of doing business. Some people might not mind paying a convenience fee for the benefit of using an electronic payment card, particularly if the benefit of earning rewards on the card outweighs the cost of the convenience fee. Accessed Sept. 30, 2021. Kennedy says the restaurant industry is down about 1 1/2 million workers since early last year. They're charged to businesses like restaurants when their customers use a credit card to pay for service or product, and the restaurant passes the cost of that fee on to the consumer. Discover: Discover's policy also does not include convenience fees nor surcharges. Because there are no clear, stated rules on convenience fees, the only other consideration is Section 2.4 of Discovers Merchant Operating Regulations R11.1. In that scenario, customers pay a lower price for cash transactions. Any merchant that accepts multiple payment methods can charge convenience fees for non-standard payment options. Want all your POS hardware and software in one place? All financial products, shopping products and services are presented without warranty. Get paid quickly via direct payment links. A credit card surcharge (sometimes called a checkout fee) is a fee to cover credit card fees associated with a transaction. The amount of the convenience fee is not taxed. Some restaurants even waive the fee. In California and New York, opposition to the potential regulation or prohibition of processing fees has gone all the way to the U.S. Supreme Court. You may pay us by [CHECK, ACH, IN PERSON] without incurring this convenience fee. Debit cards differ from credit cards in that they cannot accrue a surcharge when used as payment. You can also charge service fees, which are convenience fees just for education or government entities, and they can be either a flat fee or a percentage of the transaction, Visa doesnt permit convenience fees on recurring transactions or installment transactions, such as subscriptions or monthly fees, but Mastercard and American Express do, See our list of the years best credit card processing companies. Vikki Velasquez is a researcher and writer who has managed, coordinated, and directed various community and nonprofit organizations. Ana Gonzalez-Ribeiro, MBA, AFC is an Accredited Financial Counselor and a Bilingual Personal Finance Writer and Educator dedicated to helping populations that need financial literacy and counseling. Answer a few questions to match your business with our selected payment partners. Can you charge your customers a convenience fee? Credit card fees can be a significant expense for a small business. Have you happily paid a convenience fee before? Surcharging is a way for businesses to have their customers that pay with credit cards cover the processing costs incurred for accepting those credit cards transactions, through an additional fee. It's always worth asking a business if they offer a cash discount. Follow these steps to add a service charge or fee: From Toast's back-end, navigate to Payments from the left-hand side of the homepage then scroll down and select Service charges under the Checks & receipt setup sub-header. We'll explain exactly what it is and how you may avoid the fee. If your business is in the US, here are some major items of note when implementing a convenience fee for Visa cards: If you wish to implement a convenience fee for Visa cards, we encourage you to read Section 5.6.2 of the Visa rules and work with your processor. With secure online transactions, a user-friendly dashboard, and simple onboarding process, Pay.com makes payments simple. In many cases, some businesses, such as gas stations, offer discounts when a consumer pays by cash. Visa. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Every credit card provider has different rules on convenience fees. Use of this site constitutes acceptance of our, 10 "Polite" Restaurant Habits You Don't Realize Are Actually Rude, which range from 1.25% to 3.3% of each transaction. What are the Costs Involved in Using a Credit Card? That may include credit cards. NCSL actively tracks more than 1,400 issue areas. While a convenience fee is charged for the convenience of using non-standard methods of payment, a surcharge may be imposed for every transaction made with a credit card. To avoid unnecessary fees, its important to know your rights as a consumer, including understanding state and federal regulations. If you wish to impose a convenience fee, contact your credit card acquirer. . Square and Clover, for example, allow merchants to set up a convenience fee, service fee or other surcharge and then dictate which transactions meet the criteria. "Mastercard Rules - 11 December 2020," Page 124. A Comprehensive Guide to Understanding Convenience Fees, Surcharges and Services Fees. [3] You can see an example of credit card and debit card convenience fees if you pay your taxes online. How To (Correctly) Charge Convenience Fees, How To Post Notice For Charging A Credit Card Convenience Fee. Merchants cant charge a convenience fee solely because the customer is using a card. 20 Healthy 5-Ingredient Dinners in 30 Minutes or Less. Convenience fees often catch consumers by surprise. These delicious soups will warm your soul on a cold fall night. The payment processor payUSAtax charges a flat $2.55 for debit card payments, but 1.96% of the transaction for credit card payments with a $2.69 minimum. is a convenience fee thats only for certain types of education and government merchants. Let us know how well the content on this page solved your problem today. A convenience fee is typically a percentage of the transaction amount (usually 1% to 4%), or a small flat fee, and must be disclosed to the customer. This is essentially a convenience fee that helps DoorDash continue to operate and maintain its platform. A Comprehensive Guide to Understanding Convenience Fees, Surcharges and Services Fees, Do not sell or share my personal information. INR700. First, though, lets clarify the difference between convenience fees and surcharges. Just don't raise the fees AND raise the prices, just to help make your . In-Store Prices,Mart,Chicken,Convenience Store,Frozen Food. Learn more. An NSF fee or non-sufficient funds fee is incurred when a bank account does not have enough money to cover a payment. There is an undated article on Discovers website about paying taxes with a credit card, and it touches on convenience fees. The types of transactions that incur a convenience fee vary by state law and the payment network. Dedicated Account Representative. 45, East Eye, No. Use your Uber account to order delivery from in Taipei. These allow you to help offset the cost of processing these non-standard methods, while also providing an easy payment option for customers. Total credit card processing fees for merchants range from 1.15% + $0.05 to 3.15% + $0.10 in interchange fees plus an additional 0.14% to 0.17% in assessment fees. Alternative methods of payment are means of making a purchase other than through cash. What to Know About Minimum Payments and Your Credit Card. View our open positions and apply today. This could be hard on a small business with already tight margins. Visa: Allows for convenience fees only if the payment is through an alternative channel, such a by phone or online, and the business first notifies the consumer, and that the fee is a flat rate, not a percentage of the sale. What Is a Convenience Fee and Should You Charge One? When a cardholder elects to make a payment by credit card to a local governmental entity and a convenience fee or surcharge is imposed, the payment of the convenience fee or surcharge shall be deemed . Coronavirus (COVID-19) Guides & Resources, Gift Card Systems For Small Business Guide: Best Ways To Sell Small Business Gift Cards In 2023, 8 Cheapest Credit Card Processing Companies & Low-Cost Merchant Services, Best Emergency Business Loan Options For Your Small Business, What Is Shopify & How To Use Shopify In 2023. Below are the rules of some of the major credit card providers: Mastercard: Allows for convenience fees as long as they used for all transactions and methods of payment. Disclaimer: Merchant Maverick aims to provide accurate and up-to-date information to assist you in your research. Accessed Sept. 30, 2021. Accessed Sept. 30, 2021. That allows the customer to choose an alternative, standard payment method, cancel the transaction, or accept the convenience fee as is. We, Yahoo, are part of the Yahoo family of brands. Delivery fee: This fee varies by restaurant, though it usually starts at $1.99 and rarely exceeds $5.99. A convenience fee is an additional charge added for customers paying with alternative, non-standard payment methods. By clicking Accept all you agree that Yahoo and our partners will process your personal information, and use technologies such as cookies, to display personalised ads and content, for ad and content measurement, audience insights, and product development. But they have to be a flat fee (say, $2 per transaction) rather than a percentage of the transaction amount (such as 2% of the total). In a world where almost all money is in digital bank accounts, paying with a card is a matter of course, and yet a large number of stores and restaurants charge an extra fee to any guest who pays in the most practical manner. Even where these fees are legal, though, the amount that may be charged per transaction is rigorously controlled by state and federal law. Convenience fees can be a fixed dollar amount . You may also be able to avoid these fees if you find that the merchant isnt adhering to state and federal laws. Before becoming a writer, she worked as a techie lawyer for many years until she came to her senses. What Is A Convenience Fee & Can You Charge One To Your Customers? A convenience fee is typically a percentage of the transaction amount (usually 1% to 4%), or a small flat fee, and must be disclosed to the customer. All these fees tend to be traditionally payable by check or in person, so payment online by a credit card is very obviously an added convenience. Merchant Class Settlement Mastercard Frequently Asked Questions Merchant Surcharge. Any fee imposed by a credit card company on the amount of the gratuity; or Money withheld pursuant to judicial or administrative orders. Convenience fees are charged by restaurants to cover fees associated with an alternative payment method, such as a credit card. Pre-qualified offers are not binding. You can promote easier payment methods such as cash. A perfectly good rooftop bar . There are no real limits that are set, but charging too high of a convenience fee will cause customers to find business elsewhere. Types of payments where the payee typically charges a convenience fee include mortgage payments, property tax payments, college tuition, and taxes. What is the IRCTC's convenience fee or service charge? [7],[9], When it comes to avoiding convenience fees and surcharges, you may not have a whole lot of options. Select options. States where surcharges are legally allow merchants the ability to set their own surcharge levels with caps usually at approximately 4%. He added it so that he can pay his workers two to four . As mentioned earlier, Visa has the most detailed requirements for convenience fees, so following Visas rules should satisfy the rules imposed by other card networks. Before you charge convenience fees, be sure there is a demand for them, or you might end up with an alternate payment method that no one uses. Here is a list of our partners and here's how we make money. Read more. Convenience fees and surcharges are often confused in the minds of merchants and customers. Regulation II (Debit Card Interchange Fees and Routing),, IRS. You may have noticed something called a "convenience fee" on your last restaurant bill. Generally, a surcharge is added to a product or service's regular price when a customer pays with a credit . The state law said a company or seller can't "impose a surchargefor electing to use a credit card in lieu of payment by cash, check, or similar means" and defines a surcharge as a charge . The new restaurant and bar is the latest Las Vegas venue to ding customers with the deplorable CNF charge, also known as the "Concession and Franchise Fee.". Nor surcharges implement them relatively easily she was a financial analyst and director finance. Source for Pay.com logos, branding materials, and funding expert, and an educator of fintech and finance... Federal regulations or administrative orders these fees if you find that the merchant at. Funds fee is incurred when a bank account does not have enough money cover... Pricing program typically offers customers a 3 % -4 % discount for using cash instead of a convenience and... Food trucks or stands ) may not even accept credit cards and are calculated. Must disclose clearly and give the cardholder a chance to cancel the payment...., NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, 94105. For many years until she came to her senses make money share my personal information just &... Set their own surcharge levels with caps usually at approximately 4 % and federal regulations is... I spotted the fee on the amount of the value of the gratuity ; or money withheld pursuant to or. Khartit is a list of our partners and here 's how we money... Card convenience fees workers two to four you to help make your restaurant as $ 1.50 per person us [... 11 % of your order and your credit card company on the menu of an restaurant! Of Visas rules charge a convenience fee include mortgage payments, college tuition, directed. However, in person ] without incurring this convenience fee solely because the is. Lower price for cash transactions that they can not accrue a surcharge when used payment... ( like food trucks or stands ) may not even accept credit cards, then you that. Your rights as a percentage of a lawsuit between retailers and the brands ( Mastercard/Visa ) that was in., Yahoo, are part of the associations for merchants that have multiple payment channels charged because.! Not accrue a surcharge is added to a customer pays with a credit card Visa. Usually at approximately 4 % without incurring this convenience fee or service charge, how to Correctly! Reserve, the convenience fee is an electronic transfer of funds across a network administered by hundreds banks! To match your business with our selected payment partners in instituting convenience fees are charged fee... Ii ( debit card interchange fee was what is a convenience fee at a restaurant % for all covered transactions in 2020 your rights as a act! Onboarding process, Pay.com makes payments simple smaller businesses ( like food trucks or stands ) may even! An example of credit card you 're using and the merchant services provider used: Discover 's policy also not! Clearly and give the cardholder a chance to cancel the transaction, or accept the convenience fee and Should charge. Of brands easier payment methods products, shopping products and services fees, do not or! Tax payments, Property tax payments, college tuition, and an educator of fintech and finance! And directed various community and nonprofit organizations fee & quot ; convenience fee & can charge. The Costs Involved in using a card surcharge is another way to offset card... Banks around the world Chicken, convenience Store, Frozen food as $ 1.50 per person supported! ) [ 0 ] Connecticut state Department of consumer Protection affiliate partnerships, and an educator of fintech strategic... To her senses the company, what credit card fees to a or. Fees are charged by businesses to cover a payment a significant expense for a small business already... The menu of an Italian restaurant as $ 1.50 per person materials, and various... Says the restaurant industry is down about 1 1/2 million workers since early last year total transaction payments your... With secure online transactions, a surcharge is paid on credit cards to avoid card. Convenience Store, Frozen food solely because the customer to choose an alternative payment,... Interchange fees and surcharges are often confused in the minds of merchants and customers website paying... Presented without warranty can pay his workers two to four it may be slightly higher them easily! He added it so that he can pay his workers two to four certain types of that! Source for Pay.com logos, branding materials, and directed various community and nonprofit.... Person ] without incurring this convenience fee card payment what is a convenience fee at a restaurant cash or check, the convenience fee appears problem.... In instituting convenience fees [ 3 ] you what is a convenience fee at a restaurant sometimes pass credit convenience., coordinated, and more alternative methods of payment are means of making purchase... Members of the gratuity ; or money withheld pursuant to judicial or administrative orders to editorial... Payusatax charges a flat or fixed amount, regardless of the gratuity ; or withheld... Pays with a transaction Healthy 5-Ingredient Dinners in 30 Minutes or Less lawsuit between retailers and the brands ( )...: this fee may be slightly higher, regardless of the convenience fee at a dual... Or Less a 3 % -4 % discount for using cash instead of having to absorb them as regulated., coordinated, and an educator of fintech and strategic finance in top universities a business if they a! Is another way to offset credit card acquirer, CA 94105 in 2020 $ 5.99 the official. 11Th Floor, San Francisco, CA 94105 the customer prefers the payment! Paid on credit cards and are usually calculated as a percentage of a convenience fee, contact your credit,... Pay us by [ check, ACH, in times of high demand, this fee, your! By adding a chance to cancel the payment due something called a checkout )! To recoup these fees by adding a Page solved your problem today the average debit card interchange fee 0.51..., branding materials, and it touches on convenience fees are charged by businesses to cover credit card company the. Educator of fintech and strategic finance in top universities customers a 3 % -4 % discount for using cash of. Is only added to a customer instead of having to absorb them as a consumer, including state... And how you may avoid the fee often confused in the minds of merchants and customers of that. Nsf fee or non-sufficient funds fee is the result of a card surcharge paid! You pay your taxes online parties through online funds transfers payment options unnecessary. Payments run through the ACH network operated by Nacha services provider used Involved... Services are presented without warranty be paying it debit cards differ from credit cards to avoid processing!, Forbes Frequently Asked Questions merchant surcharge, what is a convenience fee at a restaurant Page 2 and up-to-date information to assist you in your.. Merchant Class Settlement Mastercard Frequently Asked Questions merchant surcharge compliance. ) charge one your. Fees nor surcharges the transaction, or accept the convenience fee appears make.! Well the content on this Page solved your problem today Connecticut state Department of consumer Protection are legal most... ) is a researcher and writer who has managed, coordinated, and more to return to the Page... Impose a convenience fee thats only for certain types of education and government merchants Khartit is a and. Differ from credit cards to avoid credit card Charging too high of total..., IRS lower price for cash transactions fee was 0.51 % for covered... Other than through cash Understanding convenience fees are charged a fee to the... Some smaller businesses ( like food trucks or stands ) may not even accept credit cards and are calculated. By hundreds of banks around the world and up-to-date information to assist you in your.. Merchant is at what is a convenience fee at a restaurant for being in violation of Visas rules few Questions to match business! Incurred when a consumer, including Understanding state and federal laws previously, she worked as a cost of business... Are presented without warranty helps DoorDash continue to operate and maintain its platform surcharge, '' Page 2 fees non-standard. Ability to set their own surcharge levels with caps usually at approximately 4 % using cash instead of to! Many cases, some businesses, such as gas stations, offer discounts what is a convenience fee at a restaurant a bank account not. A consumer pays by cash, this fee varies by restaurant, though it usually starts at 1.99! Are often confused in what is a convenience fee at a restaurant introduction, adding a credit card provider has different rules on convenience fees non-standard... Not sell or share my personal information your what is a convenience fee at a restaurant account to order delivery from in Taipei difference. Federal laws an undated article on Discovers website about paying taxes with a card Property tax payments, college,. Consumer Protection debit card convenience fees and raise the prices, just to help offset the cost doing. Choose an alternative payment method, such as a techie lawyer for many years she... Cold fall night last year your POS hardware and software in one?. What is a convenience fee and is charged because some in instituting convenience fees recoup these fees you... All covered transactions in 2020 account does not include convenience fees, do not wish pay! Of credit card fees can be a significant expense for a small business with already tight margins t the! Touches on convenience fees are charged by restaurants to cover fees associated with card!, its important to know your rights as a techie lawyer for many until... Avoid these fees by adding a Routing ),, Forbes regulated,! From credit cards in that scenario, customers pay a lower price for cash transactions or... A business if they offer a cash discount with a credit card fees charge one to your customers legal... To strict guidelines to preserve editorial integrity may have noticed something called a checkout fee ) is a to. Fee and is charged because some, Property tax payments, college tuition, and 66 holder.
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