> 4 9's for a payment processor really isn't good enough
If 99.99% isn't good enough for you, then you should just store the payment data yourself so that you can re-send it if your gateway is unavailable during those critical 4 minutes.
Payment processors of all sizes experience downtime. Authorizenet was down for almost a day last year despite having redundancy in every layer of their operations -- up to having an entire hot standby data center to fail over to. None of them lost all their customers and went out of business, so 4 9's IS good enough.
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> 4 9's for a payment processor really isn't good enough
If 99.99% isn't good enough for you, then you should just store the payment data yourself so that you can re-send it if your gateway is unavailable during those critical 4 minutes.
Payment processors of all sizes experience downtime. Authorizenet was down for almost a day last year despite having redundancy in every layer of their operations -- up to having an entire hot standby data center to fail over to. None of them lost all their customers and went out of business, so 4 9's IS good enough.
They haven't lost customers because there is nowhere else to go.