Are processing fees really going up? As a longtime brick-and-mortar retailer, I am used to fees going up and then changing to a new processor to get competitive rates again. You just go back and forth between the different providers every few years. They give you a lower rate and then slowly raise the rates because they know it's a pita to switch.

As a SaaS founders, I use Stripe because it was easy to get reliable subscriptions up and running. I have no returns, so this particular policy doesn't impact me. However I know that I am still overpaying for convenience and it will likely be time to make a change this year or next.

Maybe when Stripe will drop rates once they start experiencing the same churn other processors deal with.