The fallback idea is really useful. If one processor declines something, PaymentKit can try

another route instead of leaving the payment at a dead end.

A welcome increase in control for payments

As our business expanded, the task of managing payments became more complicated. The best thing about PaymentKit is that is not tied to just one processor. For SaaS teams like us it is a genuine solution to have that kind of authority over how billing and subscriptions are handled and where they are routed.

I like the general idea of not having your whole payment setup depend on one processor. Billing, tokens and routing can stay more independent, which gives you options later.

This is one of those features that sounds boring until you think about actually changing payment

providers. Keeping the tokens separate could save a lot of unnecessary customer friction.

The focus on chargebacks and disputes is something I appreciate. Payment problems aren't always about a transaction being declined, so having tools that help with fraud and dispute alongside the payment flow makes sense. More real example of how the system handles these cases would be useful.