Config a page for payments, that the gateway be open source or something to not pays fees.

Config a page for payments, that the gateway be open source or something to not pays fees. The idea is not pay 3% of transactions, i need to reduce this to the less i can, USD0 or USD0.3 ideally. Can be with any method (secure one), where i can pay with card, anual price or monthly auto discounts, same amount per 12 months. Just the page, simple, no design, only to make work. Thanks.