restrict-user-access domain was triggered too early. This is usually an indicator for some code in the plugin or theme running too early. Translations should be loaded at the init action or later. Please see Debugging in WordPress for more information. (This message was added in version 6.7.0.) in /nas/content/live/epc1/wp-includes/functions.php on line 6121Merchant groups regularly make claims that stretch the truth, using unsound statistical arguments to mislead lawmakers, regulators, and the public about interchange. A closer look at these statistics illuminates their dependence on flawed logic and, in some cases, direct conflict with independent academic research.