One dimension I think is missing from your analysis is time. How long will it take to get the payment to a recipient? If one vendor can get payments to recipien

One dimension I think is missing from your analysis is time. How long will it take to get the payment to a recipient? If one vendor can get payments to recipients in 212 countries, but it takes two weeks, is that more valuable than a vendor that can get payments to recipients in 90 countries in 3 days?