[zackzackzack]

1. They might actually know what they are doing or 2. they aren't doing payments of the sort that needs this sort of license.

[count]

Stripe is backed by Wells-Fargo, aren't they?

[pjg]

Stripe uses Wells Fargo as an underwriter for the Merchants it on-boards. Wells Fargo did not invest in their earliest rounds but may take an equity stake in later/future rounds.