FWIW, we're in the UK, where a combination of the European PSD2/SCA changes, ever more complicated tax rules, and uncertainty over Brexit is making the model used by services like Stripe unattractive now. We've been looking into merchant-of-record alternatives, where it can be someone else's problem to keep up with all the tax and regulatory changes and to implement all the awkward UI edge cases. We haven't yet made a final decision on how to proceed, but apparently the difference in fees relative to the existing services we use is going to be smaller in the new year, so that's one barrier to switching getting lower.