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.
