This is great feedback. We aren't trying to keep it hidden at all. But we could be clearer in how we communicate it.

The processing happens through our Stripe Connect platform, through which you currently have to set up a Stripe account. Over time, these details will be more abstracted away, much like Vercel is reselling AWS under the hood but doesn't require you to hand over AWS keys.

Right now, the reason this feels more like a "wrapper" than Vercel is that we haven't yet built out our own onboarding and KYC flow. We wanted to first deliver an amazing developer experience - something we're still working towards.

All good. You know HN feedback is straight and brutal but we are all trying to be helpful.