I don't think somebody would be more confused to learn that payment service also deals with fraud (which is something a lot of people are aware of - every payment service on the face of the planet has now warnings about fraud) than having to deal with "Picard is not connecting to Bilbo because Legolas is refusing to pass KrumpleSnitch to Kthulhu". In fact, I'm not sure it's humanly possible to be more confused than dealing with something like that.

And if you having a payment system that starts doing something payments systems traditionally don't do - like, I dunno, predict weather? - then you have a design problem and should refactor your system so your payment system doesn't do that anymore.