I'm guessing that the target audience is solo developers that don't qualify for the volume discounts that every other payments vendor/gateway offers. As lovely

I'm guessing that the target audience is solo developers that don't qualify for the volume discounts that every other payments vendor/gateway offers. As lovely as this API looks, not offering a volume discount is a complete dealbreaker for my business. There's no way I could justify eating an extra ~1% per transaction just so my API integration goes more smoothly and I don't have to deal with the headaches of a merchant account (and while I would call that process anything but smooth, I don't seem to have the awful experiences of some of the commenters here -- just chance, I guess). The cost/benefit to a business that does any significant volume online just isn't there for this.