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Sure, but everything from the Stripe UI down to their API is feature creeped. I remember using it 10 years ago and I got it working in 10-20 minutes. Last month I see it up for my new project and it took almost a whole day

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You setup a payment flow and it took you less than a day, and you are upset? I don't understand.

Were you using it in the same way?

I'd bet the typical payments integration has more complex requirements now than those from 10 years ago. That's what usually happens as a space becomes more important and, therefore, more regulated. Usually new entrants will come in and try to provide a tidier interface for solving an increasingly complex problem. In payments, as others in the comments have pointed out, that process is hampered by the gatekeepers involved.

You'd have to commit to building an amazing developer experience and navigating bank partnerships and compliance (per country), risk, antifraud, etc.

That's why the payments devex feels so behind the DB, hosting, or auth devex today.

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