If payment processing costs 30%, you are expected to pay that as an end-user in the end. There is no "company will eat the costs". They will find ways to recoup that and reach similar profitability levels.
So by choosing the expensive way of paying, you will eventually endup paying more.
There is no shortage of ways companies can do that: "oh you want this new content, too bad it's for our premium gold users only", "ohh you want improved audio quality, here is upsell", "ohh, traveling a lot lately? Maybe we will limit the amount of offline content you can keep, but not in the premium diamond plan", etc
So by choosing the expensive way of paying, you will eventually endup paying more.
There is no shortage of ways companies can do that: "oh you want this new content, too bad it's for our premium gold users only", "ohh you want improved audio quality, here is upsell", "ohh, traveling a lot lately? Maybe we will limit the amount of offline content you can keep, but not in the premium diamond plan", etc