If this was a play for consumers, then I would agree with you. However, this is a play for businesses, and there is not a day that goes by where SMB aren't houn

If this was a play for consumers, then I would agree with you. However, this is a play for businesses, and there is not a day that goes by where SMB aren't hounded by mobile payments startups. Rarely does a B2B startup succeed bc they do things better, they succeed bc their sales staff is relentless. Saying your product is nicer, cleaner, a better user experience rarely convinces a business.