Everyone here is complaining about price, so let me offer a counterpoint. My understanding is that 2.9% + 30 cents is barely above what you would expect the cr

Everyone here is complaining about price, so let me offer a counterpoint. My understanding is that 2.9% + 30 cents is barely above what you would expect the credit card networks themselves to be charging Stripe. The margins are razor thin. If you have beef with this percentage of your revenue being taken, it's with the credit cards. Adding a .4% fee on top is likely cheaper than using a separate service on top, like Chargify/Recurly/Chargebee. (Sure, if you had already built your own stuff on top of Stripe, you don't see this tradeoff as real. But all of those are legitimate businesses, suggesting there's a huge market out there of people who don't prioritize eng time like you.) .4% isn't nothing, but put it in context of a functioning SaaS business with product priorities, especially when you think about expensive it is to hire software engineering talent. It's going to be a fraction of a fully loaded engineer's time that is probably best dedicated to other parts of the business. (Fully loaded = take a salary, add 30% for taxes and benefits, plus ammortized recruiting fees.) A one-time or occasional integration project frees up engineering to focus on other stuff and enables other teams to work on their own.