Payment Provider Holding You Back? Process Payments Your Way

A webinar featuring Tilled CEO Caleb Avery examined payment processing, data ownership, and the risks of relying on a single provider. It argues that some established processors, including Stripe and Worldpay, can retain ownership of customer payment tokens and data, making migrations costly, lengthy, and operationally difficult, as illustrated by merchants facing multimillion-dollar token buybacks and months-long transfers. The discussion frames payment redundancy as a business-continuity measure that can also support smart routing and higher transaction approval rates. While Stripe gained adoption by simplifying integrations and developer tools, software companies are now portrayed as seeking broader capabilities such as monetization, customer-focused experiences, turnkey interfaces, flexible APIs, competitive pricing, and control of their data. Tilled and Basis Theory are presented as alternatives emphasizing payment optionality, PayFac-as-a-service support, and data portability, with the central recommendation that businesses bring payment data under their own control to reduce vendor lock-in and retain flexibility.

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