[nonchalance]

The monthly fee makes it unappealing for small volume customers, and the per-transaction fee makes it unappealing for large volume customers. I'm guessing there's some intermediate range, when you are negotiating the final deal, where it's comforting to have that "flexibility".

[jusben1369]

Justin from Spreedly here. Dan, thanks for the kind mention! Dan's use case is one of the main driver's we see. We also see most interest from businesses/services that need their own vault as they work across multiple payment gateways. Either a SaaS billing/booking platform or someone working with 3 or 4 different gateway's globally. Single API/Single Vault/No PCI headache. Many of our customers are weighing up PCI L1 for card storage and/or integration to multiple gateways or Spreedly.

In terms of Dan's scenario we had a customer whose primary gateway was unresponsive early Sunday morning which happened to be their biggest day of the week. They brought a Stripe account up in around 5 - 10 minutes and processed 6 figures that day. Not sure how you ROI that against our fees but they were happy!