If you're doing significant volume, which I assume Streak does, you can negotiate significant volume discounts. You have been leaving a ton of money on the table if you have not done that.
My company went through negotiations with Stripe earlier this year. We were more than 1.5% + $0.10 away from our current processor, and they wouldn't budge to even match our existing rates. They kept saying they are a better value, and offer more things for the price - except most of the "value-adds" we didn't care about (their only interesting things was the Stripe Checkout with Fraud detection - which requires you to use their hosted checkout page... which is a complete non-starter for a serious eCommerce operation).
Perhaps not a good fit - but paying a ton more per year in CC processing fees just because Stripe uses "AI!!!!" wasn't something we could swallow.
People don't switch processors often, so building out an integration once every 10 years isn't a big deal if you design your integration correctly.
That, and I assure you, your customers don't give a darn about which processor you use.
Does it? In my experience you can just use their Hosted Fields which are actually really great.
Even "hosted fields" is absurd (and by that I assume you mean an iFrame you embed), and would require redesigning significant portions of the checkout process.
That, coupled with their refusal to even match our existing rates, was really off-putting. The sales people made little effort to understand our business and pain points - they just wanted to talk about how great Stripe is and all the AI stuff they do.
Users of eCommerce platforms generally will be SAQ-A since they are not the ones controlling the system which handles CHD. This covers platforms like Shopify, BigCommerce, 3dCart, Volusion, etc, where the platform itself must be PCI compliant on their own, separate from whatever PCI level you are compliant with.
If you self-host, such as Magento, XenCart or some custom implementation - then yes you will be SAQ-D.
Your sales team walked away from the negotiations after a while because we weren't willing to pay significantly more just to have the brand "Stripe" be part of our business. It really was a "but, but, we're Stripe! AI! Why don't you just agree to the terms? AI!!! Did we tell you about the AI!?!?!".
I suppose it was Stripe's loss in the end... and I imagine we're not the only company that had this experience.
I have the impression Stripe's "bread and butter" are small-time shops (partnered with Shopify where 99% of sites generate < $1MM annual), hobbyists, and similar smaller operations that either can't negotiate better rates due to low volume, or don't know they can negotiate better rates due to high volume. Nothing is wrong with that - it just means Stripe isn't a good fit for companies with significant volume.
I believe they've changed the name now, but we're using what used to be call PayPal Payments Pro, which is just a processor (customers stay on your checkout page, you build the checkout form, no PayPal account necessary for the customer, etc). We were using CyberSource when PayPal approached us for negotiations - they ultimately made an offer we couldn't refuse (based on volume) and made the switch. This CC Processor product from PayPal has none of the baggage or horror stories you hear from people using PayPal Express Checkout - it's almost like you're dealing with a completely different company.