Payment-processing companies for credit-cards typically take less than 2% of the paid amount, also capped with a maximum fees in the low single digit $ for larger payment amounts. That is "not greedy" in my reckoning, and it pays for all of the hardware and software to make your credit card effective and secure. Taking 30% as gate-keeping lordship rent is greedy, it treats customers and merchants as serfs of the Apple/Google kingdom. Just sayin'