I appreciate Ather for showing a breakup of the charges and making sure that we pay a single amount. Merchants and businesses have to pay a flat fee + percentage usually.
On the other hand, either Ather includes it for everyone and doesn’t mention the charges or they are specifically showing the charges where it’s applicable and that’s really good.
Look at any of the other e-commerce players like Amazon/Flipkart, they’ve reached a scale where they can get better deals with Banks, but that stops around 1.6% as well. Further, going for a cheaper payment gateway might cause a lot more transaction failures which completely ruins the experience.
If you buy an automobile today and pay at the showroom, who’s footing the charge? The dealership. Where do they get the margin from? The markup on your vehicle. This isnt happening with Ather since they sell direct.
Hope this helps.