> Maybe if you're charging millions of dollars, you should use a regular merchant account.
You should probably still use Stripe in this case. (Some people already are.) We scale up pretty well. Everything that you get with a merchant account (correct statement text, money held in your name), you get with Stripe.
Additionally, there are some advantages for large businesses that would make Stripe more attractive than a merchant account: transfer reporting and detailed reconciliation tools make a big difference to people doing high throughput.
You should probably still use Stripe in this case. (Some people already are.) We scale up pretty well. Everything that you get with a merchant account (correct statement text, money held in your name), you get with Stripe.
Additionally, there are some advantages for large businesses that would make Stripe more attractive than a merchant account: transfer reporting and detailed reconciliation tools make a big difference to people doing high throughput.