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As far as I know, PayPal never had the part of this that I'm most excited about -- straightforward UI and APIs for training the models over time. (Both so that they can be globally better and also better-adapted to each specific business.)

Exactly. The lack of transparency and developer openness was a huge problem for some of us. I really enjoy the steps forward Stripe makes in that regard across all facets of the business, to say nothing of the other reasons which I will stick with Stripe for a long time.

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