They charge you 23%?

I thought in the EU the maximum interchange fee for consumer credit cards is capped at 0.3% of the transaction value.

Plus fixed fees.

I don't want to put responsability on anyone, I don't know who takes what in the chain, but I see the fees in practice.

I took the cheapest PSP I could find in Europe... Stripe is way more expensive, taking 25 cents of fixed fee !