Stripe is stupidly expensive ; I have Mollie and Ingenico with tailored deals which make Stripe seems like the dumbest thing you can do. I don't know what their defaults are, but I tried to reason with Stripe and they said i'm too small; no problem with these two. And I can drive to their HQ and ask what's up if anything is up, which I would prefer even at higher fees.

Stripe, AWS and many of the "defaults" people use are extremely expensive, but since it's mostly VC-funded startups who foots the bills, no one seem to care. But once you're doing bootstrapped/long-lived stuff, you need to start caring, and once you see the terms and prices of other things, you start to realize how ridiculously over-priced AWS, Stripe, et al actually are.