Which percentage and fee format does Delia's Cafe encounter for payment processing?

The correct choice reflects a common fee structure used by Stripe for payment processing, particularly for online transactions within the U.S. The format of 2.9% + 30 cents is widely recognized as the standard rate for card transactions. This fee model is designed to be simple and predictable for businesses, allowing them to easily calculate costs for transactions.

Delia's Cafe would most likely choose this option, considering it aligns with the typical charges vendors experience when processing credit card payments through Stripe. The percentage covers the variable cost associated with the transaction, while the flat fee accounts for the fixed costs associated with processing each payment, thereby allowing Delia's Cafe to estimate their payment processing fees effectively.

The other options suggest different fee structures that may be applicable in other contexts or services but do not reflect the standard rate that would typically be encountered by a business like Delia's Cafe when using Stripe for online payments.