> ... a 5% fee. This is roughly in-line with baseline credit card transaction processing fees ... Dutch consumers mostly pay using IDeal, a payment standard cr

> ... a 5% fee. This is roughly in-line with baseline credit card transaction processing fees ... Dutch consumers mostly pay using IDeal, a payment standard created by all Dutch banks, that costs < 0.5% in fees to merchants. It has fewer consumer protections than what credit cards offer, for that there are consumer protection laws. These same consumer protection laws should make things like cancelling a subscription easy. Of course many companies fail to do so properly. One day I hope the government will enforce these like Apple protects their platform, and we'll end up having what we have now, just cheaper.