I do have AlbyHub on Start9, but we have unstable electricity so at times it would be down and I got frustrated when out in the world trying to make payments. Byt you're saying that I would not incur that 3% fee?

Thanks to the zapper of 25 sats. Once again, received as CC. Wallet log shows this error: [lnAddr] ERROR failed to wrap invoice: Estimated fees are too high (1005 > 900)

Anybody else using coinos without issues?