Hello developers!
I am developing a marketplace that will have small transactions, around $10. I am looking for a payment gateway that will charge buyers' credit cards and pay sellers (somehow), passing me a small fee in the process. Or at minimum, a gateway that charges buyers and then I'll handle the rest manually.
The problem is, the standard payment gateways (e.g. Paypal, Stripe, Mangopay..) charge around 3%+$0.30. The percentage part I can live with, but when combined with the 30 cents, the fee amounts to about 6% of the transaction.. which is just too much.

My transactions will all be local (in Switzerland).
Any ideas for more affordable payment gateways?
Thanks!
B.