Ofc I rely on the retry policy. Stripe retries with exponential back off for three days. If Stripe can't reach our endpoint in 3 days we probably went bankrupt or a solar flare ate IT.
Stripe does retries right, no argument there.
Where things get messy is when you have a mix of providers with wildly different retry behaviors, or internal services that have their own rate limits or downtime windows. A relay layer keeps the intake consistent even when the rest of the system isn’t.