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Or, because as you say it's money (I agree) the Stripe will put their "morals" in place - with the financial result they reduce risk, get less chargebacks and l
by edoceo 3mo ago
Or, because as you say it's money (I agree) the Stripe will put their "morals" in place - with the financial result they reduce risk, get less chargebacks and lower costs - then pass the savings on to the C-suite.
Morals, generously interpretation of the usage, was just to indicate that Stripe has a more narrow risk window.
Only an idiot would think it was about actual human-grade morals or ethics. Let alone that there were actual morality police.
- root_axis 3mo agoYes, hence the value of an acquisition that has found a way to service these lines of business very profitably. The tone of your original comment suggests you believe they're going to take over and start shutting off morally unacceptable money printers.
- edoceo 3mo agoI'm sure that PayPal does serve them (first hand knowledge). I'm sure that Stripe selectively restricts them (first hand knowledge). I do believe that Stripe will execute they same Stripe pattern in the merged company which will reduce choices in the market for businesses.
- root_axis 3mo ago> I'm sure that PayPal does serve them (first hand knowledge). I'm sure that Stripe selectively restricts them (first hand knowledge). Correct. But do you understand why that is? What is the theory of mind you have that makes you believe Stripe would come in and shutting off paying customers? > I do believe that Stripe will execute they same Stripe pattern in the merged company which will reduce choices in the market for businesses. Why would they do that? This doesn't make any sense unless you actually think morals are involved.
- edoceo 3mo agoStripe only accepts the ones where there is cross-over and relationships between high-level employees and investors. They restrict the ones that are smaller and independent. I think that Stripe will shut off paying customers BECAUSE I HAVE SEEN THEM DO IT. That is what first hand knowledge is. The thing that really doesn't make sense is that Stripe selectively applies their written terms of service and policies. Do you understand that?
- root_axis 3mo ago> I think that Stripe will shut off paying customers BECAUSE I HAVE SEEN THEM DO IT. That is what first hand knowledge is. You are overindexing on your anecdotal experience to draw conclusions that make no sense. Paypal earns roughly 6x the net revenue of Stripe while processing a similar volume of transactions. Paypal has obviously figured out how to service these businesses profitably, yet for some reason you think Stripe would throw away billions for no reason. Make that logic make sense.
- edoceo 3mo agoIt's not billions. My assertion is they will throw away processing millions to ensure they can continue to process billions. You'd ignore a pence to pick up a pound.
- root_axis 3mo agoPaypal earned 30b net revenue in 2025, without any specific numbers, it's a safe bet that high-risk merchants are at least several billion of that total. However, even if it were only in the hundred millions, there's no reason to throw away millions of dollars. The reason PayPal services these lines of business in the first place is because they make money doing so (since unlike Stripe, PayPal's product isn't subject to the constraints of the card rails).
- edoceo 3mo agoYou're obviously much smarter and more knowledgeable than me. I'm just going to abandon this conversation.