Yeah, that’s the adult problem in one sentence: the tech is the easy part, the payment stack is the part that can disappear overnight. What usually sticks longer than Stripe is a real high-risk acquiring setup through an adult-friendly processor, ideally with one backup route already integrated before you need it.
The other thing people miss is that “low chargebacks” doesn’t automatically matter if the business is category-sensitive or the provider’s compliance team gets spooked by content, descriptors, or even a sudden traffic spike. I’d also plan for fallback billing now: card + one alternative rail, with account recovery and dunning built in so you’re not trapped if one partner drops you.
If you’re in the middle of migrating billing rails, this guide may help you think through the messy parts:
https://zyrox.io/blog/switching-from...crypto-billing.