When building out your business, you need to look for possible points of failure, assess the risk of each point, and then consider mitigations.
Payment processing is a possible point of failure. Chances of it failing? I think anyone who's read HN/Reddit/etc would have to evaluate the chances as fairly high. Cost to the business of it failing? Often extremely high.
Having done this analysis, you can look at mitigations: sign up with both PayPal and Stripe, get a merchant account, etc.
Then build the redundancy into your system. Yes, this probably means you cannot use the fancy features because there's no good cross-provider abstraction. That's the cost: you might have to implement recurring transactions yourself.
This happens over and over again. Your individual business is worth basically nothing to your cloud provider, your payments provider, your CDN, your domain registry, etc. They donotcare if it breaks.
You have to have redundancy for anything you cannot operate without.
Payment processing is a possible point of failure. Chances of it failing? I think anyone who's read HN/Reddit/etc would have to evaluate the chances as fairly high. Cost to the business of it failing? Often extremely high.
Having done this analysis, you can look at mitigations: sign up with both PayPal and Stripe, get a merchant account, etc.
Then build the redundancy into your system. Yes, this probably means you cannot use the fancy features because there's no good cross-provider abstraction. That's the cost: you might have to implement recurring transactions yourself.
This happens over and over again. Your individual business is worth basically nothing to your cloud provider, your payments provider, your CDN, your domain registry, etc. They do not care if it breaks.
You have to have redundancy for anything you cannot operate without.