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A payments stack is a really simple concept - its just all of the different set of software and services that you need in order to be able to run payments inside your company. Thats it. Stack is kind of a cool kid word so we like using the word stack. That includes things like the ability to take in payments requests - like where do they come from? Does it come from a channel thats in store? Does it come from a channel thats online or digital? And then figuring out what kind of payment it is - is it a card? Is it a wallet? Is it a bank transaction? Is it something else? Does it include proprietary forms of payment like loyalty? Like offers? Like gifts? Maybe other things like credit? And then finally, sending those transactions out to the payment service providers or the payments systems of record within your own organization that are required to actually determine whether or not this is a good payment and then ultimately result in settlement. So a payments stack is basically