While it’s hard not to love Stripe and its operational excellence, they're often not the sole payment processor a company uses. Companies with scale tend to integrate with a handful of payment processors, gateways, and banks to manage payment inflows and outflows through a distributed architecture. On top of integrating across many payment systems,... See more

Ultimately, leading players want to take over the rest of the finance space leveraging their user base, technology and brand. Payment companies doing loans. Payroll providers starting to act like aggregators of services. Accounting solutions doing planning. Expense management platforms doing procurement.

Chris Sperandio, now at Stripe, wrote a piece while at Segment arguing that there needs to be a new, more dynamic model of a firm: the “Request/Response” model.