I will start, but feel free to argue my point. To me, compliance and risk is my biggest challenge when it comes to coding for payments. Yeah i know, this is probably everyones biggest challenge. I 
data, but when it comes to other peoples data my palms start to sweat a little.
I would say security. You never know when you can be a victim to malicious attacks. New methods are devised every day and it’s getting hard to catch up.
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