[revisedallocute]

ACH(Balanced) is unprofitable if it doesn't have massive volume (fixed$/trans) . CC(Stripe) is more profitable - %rates are toggled.

[steveklabnik]

As a former employee, it would be bad form to respond to speculation by a 4 minute old HN account about the specifics here, so I will not.

I'm not sure why you say Balanced(ACH) and Stripe(CC) when both do both, though.

[revisedallocute]

Profitable companies don't shut down. Also it's not unusual for ACH processor to shut down. it's difficult. they certainly lasted longer than the any startup in the "old boys" space. Stripe will ingest it, has the buffer for the bad margins and will crush the old boys space. this is a good thing. didn't mean to offend.

[revisedallocute]

Doing both is not same as doing both well (what contributes most to gross margin or keeps the lights on)