With payments in online projects, everything often looks simple only at the start. Technically, connecting an acquiring or payment service is not difficult, but the legal part usually turns out to be a weak point. When I was watching the materials of icon partners, I noticed that they focus on contracts with providers and internal policies, and this, in practice, solves most of the problems. I myself have encountered situations when a business had a working product, but was blocked due to unsettled refund conditions or disputed transactions. Therefore, the legal part here is not a formality, but something that really affects the stability of the service.