Meta title: Payments Foundation Models: The Race for the Decision Layer | Quantum Payments Meta description: Stripe, Ant International and Razorpay are replacing task-specific models with payments foundation models. What merchants must ask before they buy one - measurement, training data, portability and concentration risk. Suggested slug:payments-foundation-model-race-decision-layer Suggested URL:https://www.quantumpayments.io/post/payments-foundation-model-race-decision-lay