Payment gateway for Marketplace SaaS application

Hello SaaS subreddit! I'm a first time entrepreneur and I need an advice for the payment gateway selection for my SaaS application. The best payment gateway will have the following features: - Monthly subscription charge - Minimum transaction fee - Allows me to surcharge a % for every purchase made on marketplace, that we will charge as a platform fee - Minimum deposit fee to allow me to deposit the funds to my customer's account while keeping my platform fee that I charged above. I already saw stripe but they are expensive and charging too much not allowing us to make any money out of the platform fee and transaction fee. I'm doubtful about the credibility of payment cloud gateway. I'm just putting the ball in this court on Reddit and hope some experienced entrepreneurs can recommend me a good payment gateway that fulfills my needs.