[ecksor]

We (Simplenote) have been using Stripe since summer also, it's awesome. At least an order of magnitude easier than Paypal api and the merchant account process was completely transparent, we actually have no idea what's involved with getting a merchant account because they just handle it all and payments show up in our bank account.

[johnrob]

Do you know if you actually have a merchant account somewhere (created by stripe)? Or does everything go through stripe?

[3kMarlin]

Everything goes through Stripe.

There is no way that any merchant account provider would allow you to sign up and start charging customers in 5 minutes like Stripe lets you.