One such solution would be a small payment, something like 1 cent for access. That's not too much, because I am already paying 3 cents to a service solving captchas for me.
Maybe but how would you transfer 1 cent in a way that's fast enough not to impair UX and cheap (where the transfer doesn't cost more than the validation fee)? Additionally (as with all online payments) there are privacy concerns.
https://anti-captcha.com/ is one such service. There are others, but this one that has browser plugins for visually impaired people in addition to APIs.
I've used the service in the past, though it's far enough in the past all I can say is it worked once upon a time, no clue if it's still reliable.
Interestingly, it takes them under 20 seconds to solve a recaptcha and 70 for hCaptcha.
I wonder if they’ve partially automated recaptcha, or if hCaptcha is just a bigger pain in the neck. (I usually can’t solve a reCaptcha in 15 seconds...)
I use Buster browser extension with free IBM Watson speech to text node, free limitation is 500minutes of speech per month, which is plenty for solving captchas. The crux of all this privacy (blocked 3rd party cookies) is that i need to solve 3 ReCaptchas every time.