[mjr00]

Payment processing is one of the most tightly regulated, and some might say corrupt, industries. Replicating the tech wouldn't be difficult. The social and regulatory part is effectively impossible for anyone who's not already in the inner circle.

[adrr]

Is it hard to break into? Theres tons of tech companies that are playing in that space. Stripe, Braintree, Toast, Adyen, etc.