[biot]

Businesses simply build fees into their product/service cost. That it's 3% or 1.9% or whatever rate they can negotiate is largely irrelevant except for those businesses which focus entirely on price for commodities which are fungible regardless of provider.

If you run a SaaS company and your Pro service level costs $20/month, would you change your price to $19.40/month if you were able to eliminate credit card transaction fees? What if your service involved a little bit of manual data entry by your employees every month and you found a more efficient way to do that; would you reduce your monthly fee by the effective cost of the few seconds a month of employee time you've just saved? Perhaps drop it from $19.40/month down to $19.37 a month? Of course not. Whoever signs up for your service sees value in paying $20/month and they honestly don't care what your underlying fee structure looks like.