BYO-Processor Flat-Rate Shop OS

Real, verbatim pain exists, but most of it is unopened: a BBB complaint reports a forced in-house processor that holds funds 2-3 days (source 6, an checked source but only one complaint in three years, so a single-source signal), reviewers say the 2.0 migration pushed multi-location shops to competitors (sources 4, 5, both search snippets that could not be opened), and there are 'steep for a smaller independent shop' / 'too expensive' complaints (sources 7, 8, both unopenable search snippets). The category demonstrably monetizes: Shopmonkey's own opened pricing page states 8,000+ shops and Sacra, a third-party research firm, estimates $45M ARR in 2023 (source 3, unaudited); Advance Auto Parts named Tekmetric its recommended system covering 15,000+ TechNet-affiliated shops; and both publish live prices from $199-499/mo. The problem is that the proposed wedge is already partly occupied, which the sources themselves show: unlimited-user flat pricing already ships from Tekmetric (source 1, opened), and ARI - a low-cost competitor at $39.99-$59.99/mo with a free trial and 4,000+ shops - already lets shops keep their own processor through Square, Stripe, PayPal, Helcim and 360Payments integrations (source 11, opened). The only piece not obviously commoditized is the combination of BYO-processor, unlimited users and one-click self-serve export, and that combination is not uniquely available either. The payments rationale is also weaker than a simple undercut: the shop still pays card fees on its own processor, so the avoidable amount is only an incumbent's spread above the shop's own processing cost, not Sacra's full 2.5-2.9% vendor take.