I discovered that Lidl spent 500 millions $ for nothing (literally) trying to implement SAP.
Give 500 millions euros to a talented group of Stripe - like engineers and, maybe, you will have something sorted out and maintained for a few decades.
Half a billion dollars....
50 engineers well paid (5000$ net after taxes / month) cost 6 millions a year (France)
With 500 millions your system can be build and maintained for a century.