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Woah, that's quite steep. Regular credit cards here are, usually, around 20-40€ per year in fees with little to no transaction fee. Have you looked into prepaid credit cards like Visa? Pretty much all stores and services see it as a regular credit card, but you can just put money on it like with a prepaid sim card. Also, Paypal can be dodgy af: (also also, maybe more comments will increase the amount of people seeing the post and thus increase donations? :) )