I believe if anybody feels Nigerians deserve a chance, they should start an online payment insurance company, to cover for the risk exposure :), so the likes of paypal etc can buy the insurance and everybody is happy.

You can then develop an API (that does the verifications and flags orders)etc for merchants to use together with the payment gateways to be covered by the policy.

Interesting, so its something to actually learn from in regards to initial design flexibility.

But if I might ask? Would re-designing the entire architecture to accommodate for its current use be a wise idea to solve their downtime issue? I am just curious