And on top of that, generate revenue and the approach we have taken is that, we want to monetize interchange here and that’s what we are doing. So it’s early days but we have recently launched it.
Ashwin Shirvaikar: Got it. If I could squeeze a third question in, are you seeing any change in behavior on the consumer side with regards to either tendency to pay or a shift in what instrument they use to pay just from an economic or macro standpoint, are you seeing any changes?
Paul Seamon: I will jump in here, Dushyant. It’s — I was looking at this earlier today, it’s very steady in terms of credit, debit ACH mix. I’d say, the one thing that stands out more recently in the last couple of quarters is, the advanced payment method to Venmo, to PayPal wallets, those kind of things are starting to grow. And not be a material portion of the transaction, but starting to register a little bit more and more. But if you are asking about credit usage in the consumer, we aren’t seeing a shift there or anything to be concerned about in that regard yet.
Ashwin Shirvaikar: Okay. Got it. Thank you.
Operator: Thank you for your question. The next question is from the line of John Davis with Raymond James. Your line is now open.
Unidentified Analyst: Hi. This is Taylor on for JD. And maybe just to start on pricing actions, can you help us understand what the pace of the rest of the pricing action implementations will look like throughout the year and into 2024?
Dushyant Sharma: Look, we are having discussions with clients and a lot of those discussions have gone well. Some of the pricing action has already taken place and will be — will start showing up in our numbers and others we are already having the discussion with clients and is going well. So this will continue throughout the year. We are looking at every single instance, every single client, every single area, wherever we see a pressure building from the inflation macro, we are taking actions there, and frankly, we are receiving, by and large, a receptive client years.
Unidentified Analyst: Okay. Great. Good to hear. And then just on the inflation impact of the business. Is there a way to help quantify the impact inflation of having on your ability to expand EBITDA margin into 2023?
Dushyant Sharma: Well, I mean, if inflation wasn’t a factor, our EBITDA margin would be, I mean, several points higher. I mean several points higher. So it is, as we shared, I think, towards the end of last year, and I think in some of the calls, overall, we are seeing a 5-point to 8-point impact to our contribution profit and a lot of that translates into EBITDA. So as this gets behind us, I think, our ability — as Paul mentioned, our ability to expand margins. You saw in Q4, we did a great job and margins were almost touching 19%, 20%. So we have the ability to do that and we feel good about that later on as well.
Operator: Thank you for your question. Next question is from the line of Darrin Peller with Wolfe Research. Your line is now open.
Unidentified Analyst: Hey. It’s Andrew on for Darrin. Thanks for the question. Just a quick one, did you disclose biller count for the full year? I believe it was 1,700 at year end 2021, so any framework around that would be appreciated?
Paul Seamon: Hi, Darrin. We are still finalizing some of the metrics for the 10-K, so we don’t have it quite yet, but should have it out next week when we publish the final version of it.
Unidentified Analyst: Helpful. Thank you, Paul.
