[marcus_holmes]

I would store my data in a database that I control, so that it cannot be disconnected or altered by a service agreement change, or an API "upgrade".

I would ensure that any payment processing can be done through a range of processors, so that if any one of them becomes unavailable my store is not affected and I can continue taking payments.

I would also route payments through the processors dependent on cost. Some rails are more expensive for particular transaction types or countries, etc. Being able to switch between them at will is extremely useful.

[fgkramer]

You understand the complexities and risks involved in maintaining the setup you’ve described?

It’d be unreasonable for most folks who just want to sell regular products and deal with marketing and sales. Those become the biggest tasks once they start getting traction (ask any relatively successful indie hacker). Paying the processor’s fee is worth it for most

[marcus_holmes]

I agree, which is why most people just use Shopify and make all this their problem.