> We want our pricing to align with the best product experience, and a flat fee would encourage marketplaces to pay out less frequently.
I don't understand how increasing pricing from a flat fee to a percentage encourages marketplaces to pay out less frequently. The cost is so nominal that it far outweighs any percentage fee.
> We don't require that they use managed accounts. Over time, I think standalone accounts will become the better option
Better for whom? [edit] My customers are not tech savvy and only want to deal with one fintech vendor, exposing Stripe to my customers seems like it's Stripe's best interest.
> I don't understand how increasing pricing from a flat fee to a percentage encourages marketplaces to pay out less frequently. The cost is so nominal that it far outweighs any percentage fee.
Our goal, as Patrick said, is to allow people to pay out more frequently. A flat fee ties your costs to number of transfers, which seems unnecessary in a lot of cases. If a seller just earned $10, they should get their $10 (at a cost of a nickel).
> Better for whom?
For customers and platforms. If we do our job right, standalone accounts should be so easy to use and user-friendly, even for non-tech-savvy customers, that it's clearly the better option for everyone.
That being said, it's not like we'll kill off managed accounts: there'll always be a good reason to have a fully customized experience. Making standalone accounts good enough to be the better option more often is a goal we strive for, but that's for our customers to decide.
I don't understand how increasing pricing from a flat fee to a percentage encourages marketplaces to pay out less frequently. The cost is so nominal that it far outweighs any percentage fee.
> We don't require that they use managed accounts. Over time, I think standalone accounts will become the better option
Better for whom? [edit] My customers are not tech savvy and only want to deal with one fintech vendor, exposing Stripe to my customers seems like it's Stripe's best interest.