Ask HN: Why doesn't Stripe use more than one acquiring processor?

If I understand Stripe payments correctly, all they are is an API that sit in-between merchants and Wells Fargo?

Lately, we've been having problems with a bunch of failed payments, most of which have random 'Do Not Honor' failure messages.

I wonder our payment failure rate would decrease if we used different payment facilitators, which begs the question, why don't companies like Stripe just use multiple acquiring banks like World Pay or First Data?