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Well, if you do it now you would be competing on the basis of price against giants like stripe, razor pay etc. and sooner or later you would have to increase your price too to make some money. Moreover problem with financial sector is you need to be highly secure while dealing with data and that requires skilled technical people and skilled technical professional are very very expensive. However if you already have very good contacts with companies then it changes the scenario as it's much easier to get profitable in B2B. For example say Amazon's ceo is very close relative of yours and you have convinced him to integrate your payment gateway in lower price compared to razor pay. Then you will have access to huge userbase and if you already have Amazon it will attract other giants as well BUTTT most of startups will run out of money before they can even onboard amazon. That's because entry in this domain is tough unless you are already tech professional working in fintech.

It could be worth it if you have a unique value proposition and can address specific pain points that existing gateways don’t which i mean... all the best man.

It's not a question of whether it is worth it or not, it's a question of why? Why bother now when all kinds of people are already there. Why now after so long? What's different about you or your offering? Many times we wonder if something is a good idea but we don't stop to consider this simple question, why bother now?

why not. If you have an edge

Only if it has any technical superiority than the existing ones, or some usp

everyone operate at 2% charge if you can lower that your payment gateway will be hit from day one

The market is already saturated with big players; breaking in might be nearly impossible without a massive budget and resources, hai aapke paas?

No if no something unique