Good luck with that app. Merchant adoption is very important, I know and I am always pushing towards that.

My only concern is that paying 20 people is a huge cost, that in the end will be reflected onto those merchants, that then they will push it forward to their customers.

You see? From a simple pov you could create a cascade of other problems., Maybe for you is not a problem spending VCs money into 20 devs, but that always have repercussions in the end.

Is just my observation, you can do whatever you want.