Way more than double the work to integrate two, since you need to define a generic API and product workflow on top of similar-but-different underlying APIs.
In particular payments are a nightmare to generalize. Either they assume directly interacting with the user (do you have your customer enter their data twice?) or you have to collect the info and ensure you capture the superset of fields required (particularly onerous for international) and then have a process for handling KYC/fraud cases on each. Payment routing becomes more complex, each rail has its own timing you need to learn, exception cases, support protocols, and so on.
For cloud infra if you pick your APIs carefully you can make it fairly easy to lift-n-shift (eg using k8s and running your own Kafka) but it’s not going to be trivial if you use hosted services such as RDS, SQS, etc.
IMO you are WAY more likely to die from running out of runway than because of problems with your payment rail. These are bad when they come up, but remember you are seeing the worst cases highlighted here, and not the 99.9(…)% of customers that don’t have business-impacting issues. TANSTAAFL etc.
In particular payments are a nightmare to generalize. Either they assume directly interacting with the user (do you have your customer enter their data twice?) or you have to collect the info and ensure you capture the superset of fields required (particularly onerous for international) and then have a process for handling KYC/fraud cases on each. Payment routing becomes more complex, each rail has its own timing you need to learn, exception cases, support protocols, and so on.
For cloud infra if you pick your APIs carefully you can make it fairly easy to lift-n-shift (eg using k8s and running your own Kafka) but it’s not going to be trivial if you use hosted services such as RDS, SQS, etc.
IMO you are WAY more likely to die from running out of runway than because of problems with your payment rail. These are bad when they come up, but remember you are seeing the worst cases highlighted here, and not the 99.9(…)% of customers that don’t have business-impacting issues. TANSTAAFL etc.