I think the issue is not a fraction of a percent here or there - this is an optimization. The issue is what is going to be easy, robust, painless and get you y

I think the issue is not a fraction of a percent here or there - this is an optimization. The issue is what is going to be easy, robust, painless and get you your money without fuss in the markets you need it to? There's some friction with moving to another processor, but it's not as bad as AWS vs. Azure. If a team is very familiar with an API/service, that's probably the one to use (!) so long as it checks out on the major items otherwise. Once the model makes sense, you can think about Russia, 1% conversions, fees at scale yada yada.