Yeah, I tried to leave the Stripe platform for lower fees and... well I'd give just about anything to go back in time and stop myself from doing something so stupid. Also in the end the %/per-transaction fees were barely lower AND they had a TON of hidden fees/charges.
The processor lied about fees/rates, API/docs were absolute shit (and they were on the better end of what else I've seen but compared to Stripe they sucked), and I had to go through 3-5 video calls before they gave me API keys for even the dev environment. Then you get to enter the world of monthly charges on your account, minimum fees (if you don't pay enough in fees you have to pay the difference, for me it was $35 in fees minimum which doesn't work well for seasonal things or in-house test accounts), PCI compliance (fuck that form), even worse service, and slimy sales people.
Even with Stripe's absolutely terrible customer support (that I've experienced first-hand multiple times) I'll stick with them over dealing with the alternatives.
> Like other payment processors, we periodically review your sales to assess the risk of payment disputes. In a recent review of your account, we determined that we have to hold a portion of your transfer in a reserve balance. Beginning <redacted>, 30% of each transaction on your Square account will be stored in your reserve balance, and will be released 120 days after the original transaction date.
The processor lied about fees/rates, API/docs were absolute shit (and they were on the better end of what else I've seen but compared to Stripe they sucked), and I had to go through 3-5 video calls before they gave me API keys for even the dev environment. Then you get to enter the world of monthly charges on your account, minimum fees (if you don't pay enough in fees you have to pay the difference, for me it was $35 in fees minimum which doesn't work well for seasonal things or in-house test accounts), PCI compliance (fuck that form), even worse service, and slimy sales people.
Even with Stripe's absolutely terrible customer support (that I've experienced first-hand multiple times) I'll stick with them over dealing with the alternatives.