ethan_smith parent
Supporting multiple payment providers would be crucial for true payment infrastructure independence - curious if there's a plugin architecture planned that would make it easier to add adapters for Adyen, PayPal, or regional payment gateways.
This is absolutely where we want to end up within the next year, especially as we move upmarket. Enterprises love having redundancy between payment providers to use as leverage for lower fees and there are several companies founded purely around payment routing, (deciding which payment provider has the best acceptance rate based on region, issuing bank, MCC etc). Some examples are primer and payrails.
It just turns out that most of our users are only really interested in using Stripe at the early stage, so for now our codebase is closely embedded into their billing product.
It's going to be fun(?) ripping all of it out and moving towards a PSP agnostic architecture you mentioned.
One more data point: at work we use Stripe for most regions [1], but in our largest region (South Africa) we have to use Paystack [2] (a Stripe subsidiary). The API isn't 1:1 compatible and there's no plans to do so in the near future. Having multiple providers is a must for us to consider a solution.
Lago is better in that they have have support for custom payment integrations [3].
[2] https://paystack.com/stripe/south-africa
[3] https://getlago.com/docs/integrations/payments/custom-paymen...