It's complete when you get to sufficient scale and end up directly integrating with Chase PaymenTech. Then you realize how much overhead it is to do a direct i

It's complete when you get to sufficient scale and end up directly integrating with Chase PaymenTech. Then you realize how much overhead it is to do a direct integration and your CFO wonders why it's payment cost is rising with all your support engineers on staff and then revert back to third party processor.