Well almost all Payment Gateways charge the same in that aspect, and thus I end-up 62%. A chance of syndicate transaction processing ? Like do not charge until

Well almost all Payment Gateways charge the same in that aspect, and thus I end-up 62%. A chance of syndicate transaction processing ? Like do not charge until the balance accumulate to 100$ and charge all at once? OR Something like Venmo for Business but with no transaction fee (like 0$ Venmo User transfer)