payfac flexibility (aka, no vendor lock-in) — requires an independent platform ledger (where payments have two legs: payee to platform and platform to merchant). Refunds and chargebacks may affect both legs :)
We might have ideas for you! Lago won't cover all these use cases today, but we're working with other players that can provide an alternative stack.
If you're interested, would you mind emailing us? Founders[at]getlago.com
Thanks!