Or spend a few hours, get a merchant account through a bank and authorize.net with much lower fees and a pretty standard API. Tons of classes to use authorize.net with and super simple... no point of adding ANOTHER layer... charging with a merchant account is trivial.
In theory, you could do it in less time, but only if you already have your business licensed, registered and a business bank account set up in exactly the right way.
But since that's part of the list of things you need to do to get a traditional payment provider set up that Stripe doesn't require, it's a little disingenuous to pretend that setup times are in any way comparable.
I set up Stripe for two of my products recently. In both cases, it was a matter of minutes to get the account verified and processing real charges from real credit cards and having them sent to my bank account.