The customer uses a fiat -> crypto exchange/wallet combo service, sends a payment in crypto to the content producer, the content producer exchanges it back to fiat currency. The overhead of this is much less than 30-60% as mentioned in the article, and it's an extra 10 minutes of effort required by the customer, which is nearly identical to the 8 minutes of effort to type a credit card directly into the payment provider.

With this approach, the content producers win big time, and the customers lose 2 minutes, which can be further minimized by laymen-friendly online crypto wallets.