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And then the wrapper company gets massive and starts wrongfully suspending customers...

We just need a payment-wrapper-wrapper company! (We have to go deeper!)

Why the wrapper needs to be some open source software not owned or depending on anyone.

New challenge unlocked: design your application in an wrapper agnostic way to avoid getting locked out when the wrapper service bans you.

There used to be one (Spreedly) but then it went out of business or changed models so I had to convert everyone anyway!