Some European alternatives you might be able to find/negotiate better fees with:
- mollie (Netherlands)
- adyen (Netherlands)
- Klarna (Sweden)
- Paylike (Denmark)
- Mangopay (Luxembourg)
- Quickpay (Denmark) (added in edit)
The ones I've tried of those, have an OK development experience, maybe not as polished as Stripe, but much better than the alternatives that were around before Stripe (huge hassle back then). Ideally, you'll support at least two providers you can switch between, if you can afford the development of supporting two, as at one point or another, it'll save your ass or at least a bit of money as fee structures change between providers. It'll also be easier to integrate a third one in the future when you eventually find the perfect one (until they turn into the next Stripe).
> Dispute fees (also known as chargebacks) will increase from €15 to €20. Due to costs for managing dispute evidence submissions, we'll no longer refund this fee if the customer's bank resolves the dispute in your favor.
This strikes me as weird. User buys something from me, regrets it and issues a chargeback, dispute gets started and bank says I did nothing wrong, so the charge still sticks, but Stripe gets to keep the fee for handling the dispute?
> Ideally, you'll support at least two providers you can switch between, if you can afford the development of supporting two
It is however not that simple if you want to remember your customers payment information, and don’t want any PCI-DSS liability or obligations. You’ll need a card vaulting solution in the middle, which comes as additional burden (and cost!) on top of the other payment provider integration. There’s big volumes you need to process to offset all of this, and probably not ROI sensible for many.
Do you have any suggestion for "card vaulting providers"? This is interesting actually, store cards without PCI-DSS obligations and use those cards with the payment provider that makes the most sense at that point in time.
Spreedly, TokenEx, Very Good Security are some that I'm aware of.
I'm surprised Stripe hasn't come with their own multi-processing router solution for enterprises at this point; whichever major payment processor who would do this, could become a de facto choice as primary or secondary payment gateway for enterprises requiring this.