i can swipe with square, click with scripe, wave with apple pay. how many of these options do consumers need? what this all means as the managing director, an investor in both stripe and snap chat. >> think about how payments used to be. it was much more complex process before stripe really arrived. today any developer that opens up a website and decides to sell, payments is merely an api call so they be embed payments. >> so it used to be when someone would start a website, drug store.com. you would have to build an infrastructure to figure out how am i going to recognize the numbers that are going to come in? how am i going to verify those numbers? how am i going to suck the payment out of that account? how can i tell the consumer that the payment's been accepted? >> that's right. and wait for weeks of approval to get in business. today you create your website and within minutes you're able to accept payments. >> the interweb, which is a series of tubes, is at least 15 years old where you have had e-commerce websites. let's call it 20. amazon is