We started building Payrails for exactly this reason - building in-house is a tough journey and not the only way to unlock value from payments. All merchants are building the same components. Imagine a flexible and scalable solution that just works.
Happens every single time:
1. Company realizes: "We pay ~2-3% of our revenue to payment processors! This accounts for more than $1M/year!"
2. "We should cut out the middleman."
3. They hire a team, build their own processing... to realize it's more complex & way more expensive