Every payment processor that I know of takes a percentage. The structure might vary (e.g. percentage cliffs based on revenue), but it’s never fixed on a monthly

Every payment processor that I know of takes a percentage. The structure might vary (e.g. percentage cliffs based on revenue), but it’s never fixed on a monthly basis. (So yes, they’re incentivized to introduce friction to the tipping flow — it always means more money for them.)