[tarstarr]

Thanks for the feedback. To your risk point -- there is often risk involved, as businesses that have worked with large ACH payments know.

More broadly, we believe in revenue-based business models because it's the clearest way to align our incentives with those of our customers. We want to be forced to find ways to generate more revenue, via smart recovery, better invoice payment methods, more payment method support, etc.

[shekyboy]

Maybe you can provide clarity on ACH risk. Seems like businesses have most of the risk there.. and not the billing system (keeping the gateway out of this).

Secondly, transaction/user based models are also aligned with customer incentives. With growth, customers will execute more transactions on the system.

Frankly, Smart recovery is an area where I can see you can ask for % share. Other features like payment methods etc sound transactional again.

Finally, Stripe has a payment gateway business already. This will ensure growth on that side of the business. Optically this seems like a revenue grab. You have the opportunity to disrupt the ecosystem.

Thanks for responding to my comment. Appreciate the interaction.

[loceng]

Lowering revenues doesn't really align with IPO'ing, though. The issue is the VC model that will keep us trapped in this, until there are less greedy given the resources to disrupt these systems. Capitalism works well, it shouldn't necessarily have a stake in foundational systems - which is why we need governance to manage.