That implies you're only charging a few dollars per transaction (where the $0.30 fixed cost per transaction with sticker pricing is 2-4% of the transaction). That's about $7.

It's great to want to charge only a small amount, but this is easily fixed by billing annually and allowing payments through lower-fee payment methods like ACH.

I was in your shoes when I started my business, charging $5/mo. I increased my prices to $10/mo and enabled annual billing (with a $10 discount) and saw MRR grow, both through added sales and increased retention (fewer payments means fewer opportunities for failed payments). And increased revenue on volume, since I pay less in fees.