No hard feelings here. We mean it when we say we're big fans of Patrick, John, Stripe. It's unfortunate that we have to compete, we would have loved to work with them.

Our approach is completely different than theirs: light integrations vs deep integrations. We believe their approach will do more harm than good for the industry causing retailers/platforms to invest millions of dollars in building infrastructure that's not going to be ROI positive. Retailers will end up paying to build/maintain that infrastructure part, they will pay the merchant fees, and they will have to pay Twitter/any partner promoting them.