If you think the 3% in CC fees is something felt by a small number of businesses you're so, so very wrong. Dwolla is actually doing quite well despite the fact that it's insanely hard to pay with Dwolla if you don't have an account - that's how much businesses hate the fees. They push it anyway. Programmers making SaaS products often don't understand but that 3% is often 30% to as much as 90% of a businesses margin.
@tomasien compare the success of Stripe to Dwolla over the same period of time. Look at that as proof about how many people are happy to get 97% of 1000 transactions vs 100% of 100. Not that people won't keep that 3% if they can. But it has to be equal to the CC experience.
Dwolla isn't ideal - but it's a big and growing company that's built 100% on a foundation of "try to get people to pay with Dwolla even though it's hard just to save the 3%". Things that save that 3% and can serve the entire market or a bigger percentage of it more easily* have a chance to equal or surpass Stripe's growth because of how interested businesses are in this.
