Both PayPal and Stripe have a separate ‘micro transactions’ pricing that they will enable upon your request. Instead of 2.9%+$0.30, they will charge you 5%+$0.05.
Love using it on MacOS and have been using it since 2010. It does everything that Chrome does and additionally has container tabs (you can sign-into like unlimited GMail accounts at the same time).
Firefox for Android is like the dream web browser. AFAIK it is the only mobile browser with Add-Ons support. I hate the Youtube app, it is too addictive for me. I would like to occassionally watch videos on the browser though. Using an add-on, I can keep the Youtube video playing in the background, always play 4k videos, etc. Firefox Android also has uBlock and works perfectly.
Firefox for iPhone sucks but most of it is due to Apple (the walled garden) and not FF https://mzl.la/2duGEDd
Indian here. One thing you should remember is that UPI is free (so far) because it is not a 'Credit' product yet. With a credit card, someone is giving you a loan for x days and there are costs associated with it - interest rates, default rates, etc.
Of the 2.9% that Stripe (or any other processor) charges, a majority of the fee goes to the credit card issuer, i.e. bank. You probably chose to use a particular credit card because of the rewards offered by that particular bank. So, practically, a majority of the 2.9% fees goes to the issuing bank and a major portion is returned as rewards to the credit card user, i.e. the payer. Since the merchant, i.e. the seller, probably raised the prices by ~3% in order to afford the processing fees and credit card users get back most of it in rewards, people that use any other mode of payment end-up paying extra for the same product practically.
'Credit' cards are going to cost money for the foreseeable future. Issuing banks charge anywhere from 1.8% to 3% or higher for processing credit their cards. Processors add a markup on top of this fees to their merchants. 'Debit' cards issued by the major banks on the other hand, cost less than 0.5% for the processors. Stripe charges 2.9% for both debit as well as credit cards, YES but their costs to them are not the same.
Speaking from my experience - I had the exact problem. Quitting caffeine helped me a LOT. My heart rate went down and anxiety problems became almost non-existent.
FWIW - I remember reading about the founder of Baremetrics being able to buy Baremetrics.com via this service. Impressive because Baremetrics (which used to be on baremetrics.io) had received a $500K funding by the time he wanted to buy the .com for his company name. GoDaddy seems to have brokered the deal for $616.
You probably might want to start with the 0.5% Pay as You Go plan and as you go bigger, you can switch to a fixed-fee model. Once you switch to the other plans, you will be paying a flat ~$1 per transfer (both sending and receiving).
Handling fraud and chargebacks for ACH is more complicated compared to processing payments via cards. You probably should look into this before going live.
Source - Have built payment flows with ACH and cards for multiple marketplaces. Not associated with Dwolla at all. Just a happy customer.