If Stripe knows how to pay developers appropriate salaries (this is the under-discussed reason for SV companies being the only ones who can make good APIs - BoA is never going to pay their web team more than they pay their web team's department head, that is not possible for their culture) to develop appropriate interfaces on things, then more power to them if they can do very simple things to profit in the context of the oversights of other companies.
I've wondered why Stripe and Square are more successful than their older competitors, considering they don't have a moat and there's nothing particularly special in the space for them to invent. It seems like it is just that the older companies aren't willing to try to improve.
