I'm paying roughly 3% out of which I get back 2% through cashback on my credit card. For a net fee of 1% I get buyer protection and dispute resolution in case I and seller disagree. The higher the sum, the more likely I am to be interested in such protection.

The move to chipped credit cards (or Apple/Android Pay) also shields my real card number and makes information unusable in case of hacking. I already hide my address by having the card statements go to a PO Box and using that as my billing address, but I know that's not a widespread practice and some institutions forbid that.