Add an extra fixed fee if you need 3D Secure (and equivalents). This should be covered already by the assessment and interchange fees to begin with.
Card networks' moat is their network effect. If you need to take a payment from someone around the world, cards are very convenient. Unless Pix and friends get to interop globally, cards will always have a place.
Card networks' moat is their network effect. If you need to take a payment from someone around the world, cards are very convenient. Unless Pix and friends get to interop globally, cards will always have a place.