I really like your idea of "pricing that scales." However, I feel the need to point out that no one can get a 1% rate on eCommerce transactions from their bank or anyone else. Interchange rates (cost) from Visa and MasterCard range from 1.71% + $.15 all the way up to 3.06% + $.10. Having said that, you're right about larger businesses finding Stripe's rates unpalatable. Maybe they're just trying to become the Square of eCommerce - which might not be a bad idea.