We tailor our models specific to the Merchant as each varies in so many ways (customer demographic, transaction size, intervals, geo, payment methods, etc.). You'll also notice that their entire focus is on retries so all the 'flexibility' is pegged to retry count. In an ideal world customers don't have to do anything but the reality is that effective communication strategies are critical to recover valuable customers. The per Merchant approach and e2e flexibility will enable a continued competitive advantage.

Additionally but also very important -- Stripe and other PSPs platform strategies are to be the vault so they're enabling flexibility with forward APIs. This means having an independent decisioning engine for retries, cascading, and routing is even more important.