The issue isn't at Visa/MC, but the processor. That is why Itch is looking at other processors. Also, that 3% doesn't go to just Visa/MC and the other card bra

The issue isn't at Visa/MC, but the processor. That is why Itch is looking at other processors. Also, that 3% doesn't go to just Visa/MC and the other card brands. It goes to the payment gateway, the payment processor, at least one level of sales organization, the merchant bank, and the POS company in the case of in person business. There are several intermediaries that get a slice of the pie.