[dingi]

Depends on where you tap into the digital payments chain. At the highest level (with highest fees) are the payfacs (Payment facilitators). Above them are the payment acquirers with comparatively low fees, higher joining fees, more rigorous certification process and the PCI compliance is a chore you need to repeat every year. Above that is not that easy to tap into such as direct link to credit card networks and banks. At your volume, PayFac like Stripe is the best option IMO.