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It's a fair question, I think you need ~10 or so to do the work and 990 to bikeshed the horrors that come about when you have what should be a few 3mb HTTPS APIs at $50-100pcm split between 1000 resume-hungry engineers and a taste for cloud complexity.

probably has something to do with the products that go beyond accepting credit cards listed on https://docs.stripe.com/products, though I suspect operating just the credit card accepting part is harder than you imagine.

Surely in 2024 we can't be classifying Stripe as just "a payment service"

What else have they done that's worth giving a shit about?