[disgruntledphd2]

> The rest are finance companies and you get all the slow to move, impossible to get through to bureaucracy that comes with it.

Look, I 100% get what you're saying here, but it's not (entirely) the other companies fault. The financial sector is incredibly regulated, and they're required to have policies and procedures for everything which leads to a terrible, no good, sub par user experience.

Stripe has (so far) managed to avoid this, but if (when) they end up in the regulators cross-hairs they too will become like many other financial companies. I mean, I want to be wrong on this but I don't think I am.

[mothballed]

This is why a sane e-commerce platform should have routing through a bunch of different payment processors so they're not vulnerable to the regulator or regulatory officer anomalous behavior at any particular one.

[disgruntledphd2]

Yeah, that's sensible risk management for something as important as payments. That kind of redundancy is expensive and prone to bugs, though.

[dotancohen]

How do you think Stripe had avoided the regulators crosshairs? Probably because the users are satisfied and not complaining. Which brings us back full circle to GP's comment on why users are happy.

[disgruntledphd2]

I mean, Stripe are pretty young for a financial company. Assuming they keep growing, they'll eventually end up as the focus of regulation.

They do seem to be a very well run company, but if they end up as a bank, then they'd be globally systemic and at that point they'll be a focus for regulatory scrutiny