From what I understand, in order to charge customers’ credit or debit cards, you need to use a payment processor like Paypal or Stripe. It seems like the fee for using this service is around (4% $0.50) per transaction.

To get around this, you could make users link a bank account for ACH transfer or use crypto to circumvent this fee.

Specifically for my situation, I’m offering a B2C SaaS subscription service with plans around $5 or $10. The fees are pretty steep for these smaller monthly transactions, am I just forced to pay these fees if I want to take online payments?

For a broader audience: in your startup, how do you accept payments, who is the processor, and what fees are you paying?