It's not about costs. It's about trust and scale, neither of which you can buy. Payment providers earn a fraction of a percent on transactions, so they must ha

It's not about costs. It's about trust and scale, neither of which you can buy. Payment providers earn a fraction of a percent on transactions, so they must have extremely high volume in payments to be sustainable. It takes hundreds of millions just to be able to afford some workers and office. Which can't happen because trust and fraud. A legit customer, especially with any amount of volume, would never adopt a small or unknown provider. Corollary, the provider only attracts low grade or fraudsters, assuming they ain't the fraudster themselves.