Had a very similar experience around that same time. However, Adyen provided much nicer built in reporting features than Stripe at the time which made Finance happy.

That is correct. Similar model for repayment based on % of sales https://squareup.com/us/en/capital

Square's online store is probably the best for being able to sell without paying a platform fee for most features. But it is much less feature rich than Shopify.

Be careful when integrating SEPA payments. The asynchronous payment confirmation and no questions asked chargeback policy for 8 weeks after the payment has cleared can be disastrous.

It is the whichever is greater of 20 million Euros or 4 percent of annual turnover.

I see. That must seem brutal to small businesses.

There's also the proportionality clauses to consider. The law explicitly states that the penalty should be proportionate, so that small companies aren't hit with huge fines.

The fines are supposed to be proportional. Everyone has latched on to the $40mm clause, and decided that anyone in breach of GDPR rules is going to be fined millions of dollars.

I had a very similar experience renting my car on Getaround and have heard the same from many others. It seemed to get worse over time as the pool of renters grew and there was less interaction between myself and renters.