I would have to agree; a plethora of headaches are to be expected when dealing with merchant accounts. Monthly fees coupled with compliance issues and constant intervention make for extra work. Relying on merchants is like relying on your local broker. Nonetheless, certain merchant accounts will allow you to escape with fees almost a full point less than Stripe. Not to mention, the 7-day rolling period can seriously impact operations pending your specific business structure. I for one am curious to learn more about how Stripe can customize payment flows...