Sure it is not easy, but it is also not impossible. We accepted card payments before stripe came. There are a couple of clones. Most of our customers pay with bank transfer and not online. If we would have all our invoices paid with stripe i'm sure we would try the other solutions. Don't get me wrong i'm not trashing stripe and they captured huge part of the market that is growing daily. But i'm not sure most people care about stripe, and if somebody else came along people would use the that other provider. In europe a lot of alternative payment methods are popular.