There is a number most fintech founders carry around in their heads: 70 to 80 percent gross margin, the SaaS benchmark that investors expect and pitch decks promise. It sounds reasonable. Software scales. Infrastructure costs plateau. But fintech is not…
Most early-stage SaaS founders treat payment infrastructure like they treat legal entity formation: something to handle eventually. The product ships, the first customers pay, Stripe works fine. Then the company starts selling internationally, a customer disputes a charge, sales tax…
tldr Most early-stage fintech teams put fraud tooling in the same mental bucket as compliance infrastructure: something to sort out later, once volume justifies the investment. The reasoning sounds defensible. You have a small user base, known customers, and limited…
