The irony is that many get pretty far down the development path before realizing that adding billing infrastructure to their offering may not be as simple as integrating with PayPal's API or some other payment processor. Choosing the right processor, and many times, processors , from a confusing multi-layered vendor ecosystem can be tricky. Poor decision-making when it comes to issues such as terms of pricing, business fit, or processing capability, can each be a deep gash in any startup's soft underbelly. Payments-R-Us is trying to alleviate the confusion by providing a payments vendor-to-merchant wizard that makes it a snap to choose the right payment processor. The wizard is supplemented with some in-depth content aimed at educating merchants to better grasp the ins and outs of the terms and options offered by vendors so they can better negotiate agreements.