Also, Zapier open-sourced a nice dashboard that uses Stripe Apps: https://board.zapier.com/
On a $100 purchase, I should be able to split the money so that $3.20 goes to Stripe, $1.00 goes to me, and $95.80 goes to the seller. Without that ability, I have to make up a separate billing arrangement with the seller, either a flat rate (eg subscription) or calculating fees and billing them post-hoc - messy and unreliable.
I can also use WePay, which deposits the money immediately and gives me a marketplace feature (I can take a chunk out of the payment for myself).
Try and open a merchant account at any big bank and you wont get much better fees unless you are moving huge amounts of money.
