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On multi-cloud, it's rather don't be GCP only. On payment processors, used to be don't be just PayPal, then not just Stripe, and in general, yes, you want more than one.

In the late 90s we wrote code to distribute and aggregate fraud checking, card payment processing, settlement accounting, receipt reporting, and refunds across multiple gateways so we could handle mega live event signups. That needs to be an OSS product.



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