¢5/transactions for billing services we could do it, might need some small seed funding to set up a small dev team. Do you think we could get interest customers?
You could get customers, but you'll quickly learn they ask for very complex features, and you'll struggle to pay your dev team with 5 cents per transaction.
Complex customers can use 0.5% extra service from Stripe, they could even build their own solution. Billing, recurring, invoicing can be done here. What could be interesting is setting up a billing service that the client brings its own Payment Service (checkout.com, stripe.com, adyen.com).