My school district in Florida uses a payment service called “My School Bucks”. I use it to reload the cafeteria account, but also to pay for other things like before and after school. So far they haven’t charged a use fee. Lunch is about 3.25 (my kid doesn’t buy it often), but breakfast is free.
It “feels like” 96°F where I live 😫. I don’t like the cold, but this is also a lot.