Stripe needs all that byzantine fraud prevention, on top of what they had a decade ago, because they are a huge concentrated target.
A smaller firm could be way simpler. Because they simply wouldnt have enough money to provide a decent payday for dozens of malicious geniuses going at them 24/7/365.
A smaller firm could be way simpler. Because they simply wouldnt have enough money to provide a decent payday for dozens of malicious geniuses going at them 24/7/365.