active_merchant

Is 20% just a guess? SaaS companies want to automate as much as possible. If there's a payment provider offering to cash in checks or make wire transfer less of hassle then that's good. At some point through it gets too complex to support 3-4 payment providers. So most just choose one unless they really see "money on the table", which would require customers to ask for a certain payment method. https://www.bspayone.com/DE/en/services/payments is a German company offering some methods you've likely never heard of, even paying cash at a supermarket (you receive a barcode, then you pay online by scanning it with your mobile phone). There must be 100s in the world. Here's a list what Spree Commerce supports, payone isn't even on the list https://github.com/activemerchant/active_merchant#supported-...