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I'm not being facetious here, at least not intentionally:

Is there any indication their engineering productivity in recent years, anyway? I've seen a few design refreshes..



True, many APIs aren't not properly architected. For example, here is Agriya's take on their adaptive payments API http://blogs.agriya.com/paypal-adaptive-payments-an-open-let... I don't know why Agriya couldn't yet disrupt the payment gateways through their crowdfunding approach




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