Most of the apps have some sort of balance that lets you make one $10 transaction and then spend it on a lot of smaller charge sessions.
Anyway shifting around the costs doesn't change the fact that paying ~30% in fees is very inefficient
(Really it's an "EVSE" not a charger, it is doing no charging work)
They have a couple of extra safety features (like a contractor and GFCI) and include the cable (in North America, in countries with the Type 2 connector you bring your own cable).
These chargers go up to 19.2kW commonly in the US, although the charge rate can be limited by the installation (circuit size) or the car (onboard charger capacity).
https://www.youtube.com/watch?v=RMxB7zA-e4Y
Really the only difference with the fancier ones is they have a screen and payment terminal or NFC terminal for activating and paying. Like a gas pump, although most want you to use their app and membership to save (them) on credit card processing fees.
DC fast chargers are a whole different story, where the AC to DC conversion happens external to the car.