> However, in the long term, if you run a sustainable SaaS over many years, these small amounts add up quickly. So, as an example, I do not use Stripe billing; I have my own subscription system. Because I looked at the amount I would be spending with them yearly, and realized that I prefer to have my own, building my own also gives me more control and flexibility. And independence, which matters quite a bit.

Not only does the amount build up, but I guess there's some kind of vendor lock-in? 1% extra is far too much for this, but that's the strategy for Stripe Billing since that's not much different from using PayPal end-to-end.