Not trying to be smart here but the term "cheapest" cannot just be evaluated in terms of short term money. You also need to look at factors such as ease of setu

Not trying to be smart here but the term "cheapest" cannot just be evaluated in terms of short term money. You also need to look at factors such as ease of setup, long term overhead costs, customer service headache etc. Considering all these together, Stripe seems to be doing pretty well compared to their customers.