Kill Bill (note: I'm a co-founder) provides payment routing capabilities, so you can integrate with multiple providers (e.g. Stripe + Adyen) and shift payment traffic to go through one or the other dynamically. This is very common in large b2c companies.
That being said, to your point, this still requires either a vendor neutral vault for the cards or to tokenize them in all of the vendors. Possible, but still hard to do in practice.
That being said, to your point, this still requires either a vendor neutral vault for the cards or to tokenize them in all of the vendors. Possible, but still hard to do in practice.