> I think people are focused on the wrong issue. The fee % is not the problem. The problem is the restriction against using other types of payment processors.

> I think people are focused on the wrong issue. The fee % is not the problem. The problem is the restriction against using other types of payment processors. I generally agree with this sentiment, but still feel that the fee % itself is a significant part of the problem and worth to tackle it in parallel. My concern is that Google/Apple have lots of direct/indirect advantages against its payment competitors as platform holders and I'm 90% sure that they're willing to exercise that position to keep the dominance of their payment solutions. And I think they have a good chance of winning. We need to push them in all possible directions even if some approaches don't work.