Payment fraud and AML - we're a PayPal and Stripe Partner and do not hold the money that we process. We use their marketplace products to handle payments, fraud and compliance so that we can focus on the product.
If someone pays with paypal, can I still get the money in my stripe account? If not, what's the main benefit over using your service versus just using paypal and stripe directly? Do I still need to create a paypal account and a stripe account to use your service?
Also, a significant portion of the activity that we see is driven by gratitude. People love supporting a creator and leaving a positive note.
edit: now that I think about it, I would imply that one is better than the other. Because if you are just a UI/UX improvement on paypal/stripe, then you would be out of the regulatory umbrella of FinCen I believe.