The fee comes from the payment processor. There's no way to avoid it while providing credit card services without starting your own payment processing company (at which point you're then eating those costs directly).

FedNow should help in the longer term as non-credit card payment methods show up that use it, but it's still not going to get to the realm of 10¢ micropayments (the service has a flat $0.045 per transaction fee, and companies still have to then consider their own service cost overheads on top of that).