for a $10 transaction, i may lose out on about 30 points (3x), which if valued at 1.5cpp is only $0.45. this is less than the $0.6 that you are charging, so one will be better off putting <$10 spend on the cards that need spend than pay you. note that $0.45 is likely an overestimation, as you can divert spend with smaller multiplier than 3x and we have not factored in the points that we would still earn

what is the merchant code? will it cause any issues?