The problem is the constant charge part that comes along with the percentage part of commissions that payment processors companies takes. Spending 100$ in 1 do

The problem is the constant charge part that comes along with the percentage part of commissions that payment processors companies takes. Spending 100$ in 1 dollar each transactions mean I end up spending extra 30$, on top of the percentage charges. A system based on tokens only takes the percentage part(as expected), but the constant part is added just once. It opens up per-request charging model, across service providers. This benefits both: the consumers for obvious reasons, and sellers since now customers don't have to "commit" to subscription or a large charge for a servive they may or may not use or continue.