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hello David here at merchantaccounts.ca today Iamp;#39;m tackling a the topic of cross-border fees Iamp;#39;m going to make this really short today how do you get out of paying them well itamp;#39;s not easy thereamp;#39;s basically one solution stay tuned weamp;#39;ll dig in in one second so the way that you donamp;#39;t pay cross-border fees is that you make sure your transactions donamp;#39;t cross the border thanks for watching no okay no Iamp;#39;m not going to end the video there so when a transaction gets processed what happens is Visa looks at two things whereamp;#39;s the merchant domicile thatamp;#39;s where your business is registered and where was the card issued specifically your customer has a credit card a bank gave that customer credit card whereamp;#39;s that Bank located if Iamp;#39;m a Canadian Merchant and my customers in Rhode Island and they have a Wells Fargo Mastercard or whatever it is Visa is like hey Daveamp;#39;s in Canada customers in the US th