In India we have UPI by government no fees.

It is a new way of payments that removes need for middleman and government even has a official app ( BHIM App ) for it and most importantly it is a protocol so anyone can use it without third parties ( private companies )involved.

It now also supports subscriptions.

Read more:

UPI transactions over $100bn in Oct

Read more at: 1. Wikipedia https://en.wikipedia.org/wiki/Unified_Payments_Interface 2. UPI transactions over $100bn in Oct http://timesofindia.indiatimes.com/articleshow/87474515.cms 3. Search Google for "UPI in India"