Most of these fees go to the banks for using their cards, with the exception of PayPal. As a merchant I fucking hate PayPal, but you need to accept it since users are accustomed to it. They own the distribution channels which is convenience and habit from the consumer. Fraud doesn’t impact them and most have minimal to no real preventative methods in place, again this is the card company not the merchant processor filing disputes. Venmo already did this getting the furthest and still couldn’t overthrow the empire. The amount of funding you would need without a revenue model would force you into this model anyway so you would end up with the same business model. So no. Probably not.