Please remember that all comments must be helpful, relevant, and respectful. All replies must be a genuine effort to answer the question helpfully; joke answers are not allowed. If you see any comments that violate this rule, please hit report. When your question is answered, we encourage you to flair your post. To do this automatically simply make a comment that says !answered (OP only) I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns. More on reddit.com

Fees can be lower, but it depends on a few things and still isn't guaranteed and that's the most problematic thing. Click to pay isn't difficult at all, but trying to achieve the best fees is dependent on making sure you have FULL & Correct billing address, CVC/Code, at least some sort of order number and tax amount then if you can provide order details lines that's where further fee savings occur. This is all assuming your processor supports "Level 2/3 Data", without this you won't get the fee reductions and can only hope you're payer uses a debit card which are inherently super lower fees. However, even if you have all this data the industry mcc the merchant is in or the card type uses (e.g. Platinum Business, Cash back, Airline Miles, etc ) or some other card brand factor makes a transaction not qualify for fee reductions. Tldr; click to pay is a great tool and easy, but lower fees are not guaranteed. More on reddit.com

Citi offers free virtual credit card numbers which I use for online shopping More on reddit.com

You can do it with MoneyGram (send money to yourself) It costs $1.99 + 1% (the 1% only applies for transactions over $200) More on reddit.com