The funding fees are the real turnoff for many buyers, they’re at least 3% in US and 4% elsewhere
It’s completely understandable because it covers the fees GF is paying to 3-rd party processors for credit card processing; however there are alternatives.
In the US slow (ACH) funding from the bank is available for free, and very cheap instant processing via Debit cards is available too - and all the processors GF is utilizing support these; all it takes is to integrate these into your back-end
I’m less familiar with EU financial network, but IBAN/BIC transfers there are free and fast
I’m sure UK, AU and NZ have similar options
Another obvious funding possibility is accepting crypto transfers in, the current FLIP component is laughable,
Yes, it will require some development, but that’s how you grow your business.
ETA - forgot to add: all funding functions I proposed are money-makers for GF because they all don’t have extra cost of Credit cards chargebacks