Ok you have 40 customers that need invoices, support, fraud detection, refunds, new features etc.

Which is the bigger problem:

1) you have to do some manual amount of work per customer per month that could be less

or

2) you only have 40 customers and they're not giving you money yet

Definitely (2).. and that puts me in deciding mode again!

Have you tried integrating Stripe, Braintree, Balanced, Paypal? They make it quite easy.

I have already integrated with 2Checkout which works fine. But the initial idea was to integrate it with an Indian gateway. The govt here wants to see a decent office in a commercial location before giving access to a local payment gateway.

hey amrit, i think u should focus on solvable problems & not get swayed away by doing too many things which can be avoided.

for eg. in our earlier days, with less than 50 customers we used simple excel to manage invoices. we only came out with annual plans to contain the billing logistics.

we hired many interns from different fields like engineering & management (little cash & loads to get done by logically better people).

hope this helps.