Fair point, though a lot has changed from 15 years ago. A lot of what you mentioned is sort of the new baseline most payment gateways ship with, and working on code you haven't touched in a while is certainly a lot easier nowadays with agents too. All that said, if you're satisfied with the price and the product I am not here to convince you to swap.

Yea it wasn’t meant as a counter argument either.

To be honest I haven’t even looked at competitors for some years. I guess one drawback of using third-parties for such a big part of the responsibilities is the lock in. The benefits of switching would have to be rather big for me to put in the effort.