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The 30% cut is not a payment process cut or else this would fall under: usury, profiteering, rip-off.

For reference for folks who aren't familiar - in the US,even 3% would be an above market rate for credit card processing. The big companies like square and stripe are usually 2.9% for $0/year accounts, and rates go down from there. Smaller processors can do lower rates, and if you do over a few $100k/year, you can do lower with the bigger players as well.

For online processing, 3% is by no means above market.

For example, the default price on Stripe (and many others) is 2.9% plus $0.30. For a business with an average order value of $30, that $0.30 adds a full percent, bringing your fees to nearly 4%.

If you do high enough volume, yes, you can negotiate lower prices.

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