Weaving payment tools into the applications you build was once seen as a major cost for independent software vendors (ISVs): You have to invest more development time to integrate payments. Your clients become more exposed to security risk (i.e., fraud). You have to worry about payment-related patches and updates. While these costs haven’t disappeared, the ability to provide a frictionless payment experience allows you to reach a much larger audience. End-users want turn-key solutions, not patchworks of third-party add-ons.