My other half's business uses Sagepay for online payments (for which we pay a flat £25 a month - or about 3p per transaction) against merchant services (where c

My other half's business uses Sagepay for online payments (for which we pay a flat £25 a month - or about 3p per transaction) against merchant services (where card fees are paid) through GlobalPayments into an HSBC business account. We have just under a thousand transactions a month for totals just into five figures, both in store and online, and we pay around £140 a month in fees. As a proportion it's not gone over 1% of the total in the last year. That covers _everything_, including card fees, online fees, the instore pdq machine, support etc. Only a small proportion of transactions are credit cards, most by far is debit. It's not a straight comparison with Stripe, because Stripe doesn't provide any of the instore stuff. What appeal ought Stripe to have to us? Why would we pay 2.4%? Genuine questions.