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I think the logic is that getting anyone to get out their credit card and pay anything at all for content is a tough barrier, and the difficulty of crossing it doesn’t scale linearly with the asking price. That and micropayments remain an unsolved problem.

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Now that Apple Pay and Google Pay are a thing, it’s become incredibly easy for someone to just tap a button, their face unlock does its thing, and payment goes through.

Unless you mean a psychological barrier?

Google and Apple instantly eat a third of your revenue.

That's for in app purchases. If you use Apple pay on your website, they don't charge any fee actually, only the payment processor does. Scroll to the bottom to see more detail: https://www.apple.com/apple-pay/

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