As a serial fintech entrepreneur speaking from direct experience it should come as no surprise that major technology organizations are moving to control all payments as this is one function that all need to make money. All large brands own and operate their own payments systems as this is a direct factor of controlling expenses and therefore increasing revenue not to mention customer service which is growing increasing more important in this virtual faceless world. Many companies large, medium and small are now actively looking to bring payments in house as a factor of increasing asset value while simultaneously reducing expenses. If your payments volume and expenses justifies owning the process you too should consider owning it otherwise you will be at the mercy of the layers of middle men who will continue the nickel-and-diming activity.