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" ... This is a good thing. Even though I work in the world of digital payments, I do not wish for an untrammelled growth of digital payments volume unless it also meets the mutual and sustainable needs of both billers and payers. One might argue for buyer-beware, but when you add the extra seriousness of some unscrupulous billers—including payday loan providers—tricking payers into overpaying via small-print increases in the variable payment amounts, perhaps greater protection is needed for unwitting buyers. ... "