[PragmaticPulp]

> I also get to repeat the patio11 meme: charge more.

I'd suggest the opposite: Drop monthly fees to $0 and leave it to the per-transaction fee (what they call a "subsidy", confusingly).

Charging customers a monthly payment only to follow up with a steep 9-11% transaction fee when they actually use the service is not a recipe for happy customers. You also risk churning contractors off the platform if nobody takes their financing option for a month or two. You're going to get people trying to cancel and then re-subscribe as soon as they find a customer who might want financing, only to cancel again.

IMO, ditch the monthly fee so you don't give people a reason to cancel.

Also, drop the lowest priced plan. It doesn't make sense to have a £25 plan right next to a £30 plan. If someone is buying the service, making them jump through the mental hoops to calculate if £5/month is worth it for them is friction you don't need. Simplify to 2 plans, or even 1 plan.

If you can reduce the mental load of signing up from "Which of these 3 plans, if any, is right for me?" to "Should I sign up yes or no?" it's a win.