Credit Card APIs

Ruth: Api and y granted, my experience with it is very old at this point. But we just had a really rough time. It was kind of stateful in a weird way where you would have to do things before you could do something else. Oftentimes you'd have to, like, if you todo a refonder if you wanted to collect. And so it was, it was a real pain to work with. You know what, though, i think it's worth talking about the reason here. This might bring us all together.