Credit Card rates Confusion

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I'm new to shopify and we are working on two sites where customers are based in Sri Lanka and Pakistan. Since Shopify Payments do not support those locations, we need to go for a third partly payment gateway.

So, my question is do I still have to pay Online credit card rates mentioned in the pricing page ( 2.9% + 30¢ for Basic / 2.6% + 30¢ for Shopify) or is it Only the transaction fee (2.0% for Basic / 1.0% for Shopify) I have to pay for shopify? I know there will be a separate charge for the third party payment gateway.

and, Do I have to pay transaction fee for COD orders?

Thanks in advance.