Hey everyone! Small founder team, no dedicated finance person yet, focused on US + a few EU countries. Budget's not the constraint, I just don't wanna rebuild our payment stack once we've got real MRR flowing. Biggest worries are clean subscription reporting and not getting flagged by our bank in the process, and if we ever switch processors later, I want that to be a quick swap, not a migration project. Anyone here who switched processors after like 12 months, what was the actual moment that pushed you over the edge, especially curious about Unlimit or Lemonsqueezy since those are the two I keep going back and forth on.