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this post was submitted on 16 Jul 2025
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Well I think bottom line is that's the rub, the burden to become a payment provider is high... which it should be, but that's because we need pretty damn good regulations on them (as obviously if their security goes to crap, the consiquences are insanely high).
In addition it kind of is a small group by design because, we can't have it as a large group. If we have a nice even spread across 50 payment processors, then either everyone needs 50 credit cards, or every service that needs to be paid needs contracts with 50 payment services.