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There was a time when accepting money online didn’t feel normal. It felt complicated. If you were running a small business or building something on the internet around 2008–2010, the moment someone asked, “Can I pay online?” you didn’t smile. You paused. Because payments weren’t plug-and-play. They were paperwork. You needed a merchant account. That meant bank underwriting, documentation, waiting periods. Weeks, sometimes months. And if you were a small startup with no financ