A payment provider's infrastructure cost doesn't vanish into an expense line, it sits inside the rate merchants pay. Inside the engineering that lowers cost per transaction, and why an Indian exporter feels every rupee of it.
There is no single fix for a low payment success rate. It is fifteen unglamorous things, each worth half a point, and the eleven points between mediocre and excellent are made of every one of them.
Authorisation is where payments are exciting. Reconciliation is where they're hard, and where a merchant's real pain lives. A look at the ledger engineering that tells an exporter exactly what they were paid, to the rupee.