[JacobDotVI]

This isn't necessarily a fair comparison - card not present transactions have always had a much higher rate than point of sale transactions due to the increased risk of fraud. There's an open-ended question of if new entrants like Apple Pay can bring down those card not present fees thanks to their integration into your apple id, but tbd.

[joking]

at least in europe with 3d secure authentication, it's easy to get rates under 1% for a new business. If you have big volume is easy to go downwards from that.

I get that using stripe or paypal it's easier sometimes, but for woocoomerce and alikes you usually have plugins already developed to use other payment platforms.