I believe that our model (which removes marketplaces from the flow of funds & shields them from risk) is a better fit for some folks, but not all - there are tradeoffs. I have a ton of respect for the guys at stripe and would consider us good friends. (We were actually both in YC S09 when Stripe was called /dev/payments)

[Edit/addition: Marketplaces are an especially valuable segment for payment companies because they touch a lot of payment volume relative to their company size. i.e. a software company selling $100m of revenue is usually a relatively large & established company, but a marketplace processing $100m of GMV can be quite small.]