> One big difference between the two is that from what I understand is that with Stripe you use a shared merchant account where as with Paymill everyone get's t

> One big difference between the two is that from what I understand is that with Stripe you use a shared merchant account where as with Paymill everyone get's their own. (I work at Stripe.) What it even means to have a "merchant account" is shifting in the industry, so it's hard to be absolutely definitive, but: most of Stripe's transactions run through what would traditionally be designated as regular merchant accounts. At the same time, it's our belief that it shouldn't matter (which is why we don't expose this). There are properties that our users should care about -- that funds are held in their name, that the right thing appears on cardholders' statements, etc. How that's accomplished is an implementation detail that may change over time and which will depend on the payment instrument, country, and so on.