But this article doesn't seem to address the obvious counter-point.
For instance, take the below:
> wouldn't you rather run a your customer's payments through code that is at least attempting to handle error conditions, rather than some happy path code that just assumes everything works?
But this doesn't address the obvious issue which is, there is value destroyed (or not created) by not allowing customers to pay you earlier.
The truth is that sometimes speed to market is more important than quality, and visa-versa. Handling sensitive credit card data? Sure quality and security are important of course. Implementing a payment gateway to bootstrap a company where that is 1 of 100 tasks before go-live? Hack away and go as fast as possible, and worry about improving it later!