[lyall]

The payment processing space, like basically anything when you look close enough, has a fractal-like complexity to it. And in my opinion the industry as a whole does a pretty poor job of abstracting away that complexity, often leaking it through, such as with the "debit or credit?" question.

But turns out it's pretty difficult to hide the complexity, and many businesses are built around hiding it as a service. It usually involves taking on risks others aren't willing to or having an Apple-like resolve to piss off some customers by deciding what's best for them without asking or, rarely, the power and/or innovation to actually change how things are done.