No, you're not. I was very happy with Stripe for a few years. As my business grew and I looked at where I could cut costs, I asked around and Braintree's model was going to save me 1% per transaction. At my volume that was going to add up to thousands of dollars in savings a month over Stripe. I went back to Stripe to see if they'd be willing to match Braintree's pricing, because I was happy with them over the years and it would have made things much easier to not have to switch to a new payment processor. But they only offered about 75% of the savings so I switched anyway. Turns out the APIs are roughly the same anyway for the basic functionality that I need, I'm not an advanced user. I estimate the switch has already saved me about $75k.