A SaaS business I know of switched TO stripe.com from a more traditional processor / acquirer scheme for payment card processing, and saved a bundle. The tradit

A SaaS business I know of switched TO stripe.com from a more traditional processor / acquirer scheme for payment card processing, and saved a bundle. The traditional scheme had several layers of fees; the payment processor and then Visa / MC / AMEX, then the bank. Different card flavors (rewards cards, etc) offered different fee levels. Predicting fee levels was a probabilistic task. Switching to Stripe, they got a two-tier one layer fee scheme. One tier for AMEX and a lower tier for MC/VISA. The fee burden was noticeably lower with Stripe, too. the business I mention requested a fee discount and got it based on annual volume. But it was cheaper even without the discount. So, where are the lower fees?