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Working with Stripe sounds like a liability
Sadly not working with a payment processor is a much bigger liability. It’s nearly impossible to sell things online without one, and there are only a few choices due to how hard it is to get a new one off the ground (you need experts in financial regulation for every area you serve, and finance laws can vary widely even between neighboring cities, let alone countries). This lack of other options gives payment processors an outsized influence on the businesses they serve.