If your business is US-incorporated, takes USD card payments and pays out to a US bank, a raw card platform is unbeatable. Pricing is transparent, the API is excellent, you do not need an extra layer. Period.
Where Baynoy earns its 0.5% application fee is the moment any one of these is true: (1) you are incorporated outside the US and want to charge in USD without an Indian/Brazilian/Turkish entity layer; (2) you want USDC payouts to a wallet you control, not USD to a bank account; (3) you sell into 12+ locales and need hreflang + locale-aware checkout out of the box; (4) you want to embed a checkout widget on a partner's site without exposing them to the card platform's PCI burden; (5) you are routing destination-charge flows on behalf of a marketplace of TR or APAC sellers.
We do not try to replace your card platform. We add the pieces a non-US merchant or a multi-locale platform team would otherwise build themselves: connected-account onboarding orchestration, on_behalf_of TR destination charges, our crypto payout rail, hosted checkout in 12 languages, and webhook fanout to email and Slack — all behind one billing relationship.