I don't have experience on payment gateways but sure I know programming very extensively.
The whole mechanism is based on efficiency, this means I seek for the most efficient solution, while technically crypto would be great for a "default", since it's the most efficient, none is going to be happy with that for obvious reasons.
I've gotten around stripe but I find it to have too much around I don't need, it tries to be very simple which I truly don't care since stripe is doubling on a lot of infraestructure my internal system already has, and for all those features the non-refundable fees come, this is true for many payment processors; and that's fine, but I am incredibly flexible for my default and I truly only care of processing dollars, euros, rubles, CAD, Swedish Krona, and such…. even when I support over 150 currencies internally, mostly looking at Europe and North America.
So I was wondering if there was some small player I am ignoring, because my whole stack was implemented with obscure players that had just what I needed and nothing else.