How Do Products Like LLM Gateways/VPN Handle User Payments?

For services like VPN, LLM Gateways, is charging implemented through integrated payment gateways for user payments? Is it reliable and secure? When I choose fiat payment methods to purchase services, I sometimes see several different price options. Why are the fees different? Is it because they are connected to different payment gateways, or are there other reasons? Could someone kindly explain this to me?

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