I feel like this is an issue in general. As soon as you rely on one company to do one thing, you're SOL as soon as something happens. As a small business, basically nobody cares about you. Be it AWS, YouTube, Stripe, PayPal, you name it. As soon as you are dependent on one platform, you need to at least have a backup plan in case things go south.

The big difference is that with a payment processor it's much harder to diversify than, let's say, AWS. If done well, I can quickly switch to another cloud provider without my users even noticing. For payment providers, this is not possible. The user has to at least re-enter their credit card information, which is going to be a big problem for a lot of companies.

But let's say you did it. You finally moved away from Stripe to $literallyDoesntMatter. Now, a few years down the line, $literallyDoesntMatter also bans you, because it turns out, you are still a small business and the new provider also doesn't care about you. Now what do you do?

Serious question: How would you, as a small business, try to diversify your payment provider? Would you go through the effort to support and implement two payment providers and use them roughly equally, so that if one goes down, only 50% of your customers need to migrate? But then you have essentially doubled your risk of getting banned, since you now have two providers that could potentially ban you. What other options are there?