If you dont criticise how would the companies get better.
Criticism shouldnt be looked at from a negative point, smart companies take that as feedback.
Imagine you have 50 clients saying your product suck would u say: 'bad belle' or 'let me revamp customer xp?'.
The fact is there are over 20 payment processors and the field has other opportunities they can look at and have FMA( First mover advantage).
Look at Interswitch, its payment processor part has been on a decline as new entrants come in simply because it failed to listen, the huge integration fee model has been replaced with zero set up cost.
If you dont take feedback and innovate then OYO.