Optimising payment processor fees

Stripe currently takes about 32c of each subscription in processing fees, which is about 6% of the overall subscription. Their fee is 1.4% + 0.25c per transaction in the EEA, and since the majority of the fee comes from that flat 0.25c, I’m wondering if we can optimise it by allowing users to be billed less frequently, like annually instead of monthly for example.

An annual €60 subscription would incur €1.09 in transaction fees, as opposed to €3.84 when billed monthly. Seems small, but it’s the difference between paying 1.8% in processing fees vs 6.4%.