Stripe just does not look or function like a credit card processor. It is nearly impossible for non-engineer folk to grasp - to the point of it not being a viable platform. The almost hermit-like reporting interfaces (the best that can be done is a bunch of paginated tables??), the lack of visibility into how charges break down at an aggregate level (how much do we pay Stripe in fees has to be pulled from a shudder export of all transactions), handling of disputes, no ability to generate monthly statements (for Connect accounts), no direct line access to an account manager etc etc - the list goes on unfortunately.
I love the simplicity, but I can tell you that Stripe is lagging far behind in functionality and ease of platform use for SMB and enterprise SaaS companies (specifically, in our case, a platform/service provider that runs payments for a bunch of small businesses). We're small, but not tiny, and growing - so the noise around the problems we face just keeps amplifying by the day. The moment we crossed a dozen customers and 100-200K in monthly processing, it’s as if Stripe just stopped working for us.
Stripe's clearly an extraordinary engineering-driven company, but solving for real business use-cases is key. From the outside, it feels like Stripe is solving all the back-end problems and optimizing it, but doing nothing about the front-end, metaphorically speaking.
I'm now having to get on calls with old-school card processing providers since Stripe just doesn't "scale" for us from a business use-case perspective. It's too catered to the devs.
Hope this falls on the right ear. I'm happy to chat more and provide my 2c of feedback if someone wants to listen.