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In PayPal, any recurring payments and subscriptions can easily be cancelled on the centralized "Pre-approved payments" page:

https://www.paypal.com/va/smarthelp/article/how-do-i-cancel-...

The process can be done in the PayPal app, or on any web browser. It is just as easy as Apple's process, and PayPal doesn't charge 30%.

PayPal is not a bank, however.

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looks like Paypal charges $0.49 + 3.49% for Paypal checkout. so seems like more expensive in some cases.

https://www.paypal.com/us/webapps/mpp/merchant-fees

From the same page, micropayments on PayPal have an alternative fee structure of 4.99% + $0.09. PayPal is less expensive than Apple's 30% fee in every scenario.

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