A new venture is a lot more likely to reach PayPal's threshold for discounted fees ($3,000/month) than Stripe's ($83,333/month). There is no additional fee for

A new venture is a lot more likely to reach PayPal's threshold for discounted fees ($3,000/month) than Stripe's ($83,333/month). There is no additional fee for American Express cards with Website Payments Standard. The only fixed fee my current merchant provider charges is $5/month, and I pay a $99/year fee to a PCI scanning service. The merchant account space isn't resting on its laurels with startups like yours moving in; there's dozens that have moved to simpler pricing and eliminated bullshit fees to remain competitive. Anyone accepting mostly domestic transactions with a monthly volume between a few thousand and $80,000 is probably going to save at least $30/month by choosing PayPal over Stripe, so the monthly charge isn't really a barrier even for their Pro service. Unless they go through one of your partner integrations like Shopify where you seem willing to offer the discounted rates without a minimum volume. I've set up a few people on that, it's a good deal for little shops.