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This isn't necessarily a fair comparison - card not present transactions have always had a much higher rate than point of sale transactions due to the increased risk of fraud. There's an open-ended question of if new entrants like Apple Pay can bring down those card not present fees thanks to their integration into your apple id, but tbd.

at least in europe with 3d secure authentication, it's easy to get rates under 1% for a new business. If you have big volume is easy to go downwards from that.

I get that using stripe or paypal it's easier sometimes, but for woocoomerce and alikes you usually have plugins already developed to use other payment platforms.

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