[gabhubert]

Hey HK2! Sorry for the delay.

1/ On pricing, get in touch for volume-based pricing: https://stripe.com/contact/sales

2/ On creditor identifiers: having your own creditor identifier makes your business more visible to customers on their bank statement, and can reduce the risk of chargebacks which are inherent to SEPA Direct Debit. True, you need to get one—possibly something we hope to help with in the future—but banks cannot force you to process SEPA debits with them. It is their duty to provide one to you. If you're not a business, there can be reasons to proceed with caution on SEPA Direct Debit, not least of which is the risk of chargebacks. I'd love to hear more about your case to see how Stripe can improve: my company email is just gabriel@.