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0|0|MERCHANT TRANSFER CODE|frederick1|nkobowonigeria@yahoo.com|14:07:05|12/26/2016|<center><font size="1" color="#000099" class="f_postedon">Posted on Dec-26-16 at 02:07 PM (Eastern) by 197.211.59.76</font></center><p>what is a merchant transfer code?