[jlokier]

I agree, it is important to have at least two payment providers, ideally running them in parallel. It is still a problem if you're taking recurring payments, because you can't transfer customer payment details to the other when one of them stops service, but it's still better than having no backup.

> At least the banks have staff you can talk with.

Some banks do, some don't. I posted two days ago of a problem with a bank that turned out to have only useless staff you can't really talk with when there's a serious problem, unless you post to social media: https://news.ycombinator.com/item?id=34234259

Ironically my comment was on another Stripe customer complaint HN article. The cash amout on that was even higher than the current one, $400k. Fortunately the issue with Stripe did get resolved, but the customer had to make their complaint public first and get it noticed by upvotes, before it was dealt with.