With mtpelerin.com you can buy synthetic token like jEUR or jUSD whithout any bank fee, and then it is on a ETH sidechain (polygon MATIC) and the current fee to swap is $0.014061 ~ (https://polygon-gas-watch.vercel.app/) So no, it's far cheaper than any VISA/MASTERCARD/SWIPE/PAYPAL that took far too much with they big percent... It's time to change