[thiago_fm]

They are trying to find whatever they can extract enough money without a significant uptick in customer attrition.

This isn't only Stripe but all companies since interest rates started increasing and companies had to maximize their profits.

Stripe is a particular case because they want to IPO and look good for investors. And everybody knows that in 10 years, payments will be significantly simplified by the central bank's free instant transfer software being deployed around the world.

They are in a strange situation where they don't want to IPO now (not such a good economic time), but if they wait too long, they might not be as valuable.

Payment companies will still exist after that, but they'll likely have even more razor-thin margins, and you'll probably only pay for their value add. I doubt they'll manage to get around charging you a % instead of a fixed subscription fee.

I believe only services on top of your sales that involve credit, installments, and Buy-now-pay-later will manage to extract a % fee. This will be hugely deflationary for payment companies on their revenues but will make it cheaper for customers and merchants.