PayPal:
No application needed: Yes
Transparent pricing: Yes
No monthly fee: Yes
Reasonable per-transaction percentages: Yes (3.5%)
No bad reputation: No (Terrible reputation! Freezing people's accounts, and arbitrarily taking their money for content policy violations)
Targets micro businesses: Yes
Payment button+IPN API: Yes (https://developer.paypal.com/api/nvp-soap/paypal-payments-standard/gs-PayPalPaymentsStandard/, https://developer.paypal.com/api/nvp-soap/ipn/IPNIntro/, https://developer.paypal.com/api/nvp-soap/payment-data-transfer/)
Also a JavaScript equivalent which they promote now: https://developer.paypal.com/docs/checkout/
Local payments API: Yes (https://developer.paypal.com/api/rest/)
Also one for associating with your own merchant account: https://developer.paypal.com/api/nvp-soap/payflow/
Reasonably modern website: Yesish (a lot of it is a mess of different web designs that are tied together with string)
Reasonably stable business: Yes
International: Yes
No bank merchant account needed: Yes
Supports subscriptions: Yes
Supported by PHP Omnipay library: Yes
Notes: Supports Crypto