I know this is in the EU, but do yourself and the businesses you love a favor. Pay with CA$H. The value you receive from local small businesses is worth the time it takes to avoid the tax on our economy.
I dunno, the 25 cents surcharge payment processors take on my €10+ payment isn't really worth that much of a hassle to me. Ads have encouraged me to pay by card for years.
I don't know why Stripe is taking a percentage on top of the normal processing fee, I'm guessing it's to deal with percentage differences for people paying using credit cards. There are many cheaper alternatives out there if Stripe is getting too expensive.