As we have covered, for businesses that pay for the payments directly, it all gets passed through, vanilla. Then we really want to maintain the simplicity and the predictability of our blended-pricing model. We think it's much better for the market for this model to exist. Stripe is one of the pioneers in developing it.
For eight years—I'm very proud of this—we've managed to avoid increasing the cost. This might sound like an arcane point, but it's actually getting slightly cheaper over time because we charge 2.9% plus 30¢ for it. Because of inflation, 30¢ is becoming less valuable over time. It's getting slowly cheaper as inflation erodes it away. Even as we spend these billions of dollars developing new software products, we don't want to increase the cost.