Not really, unless you think of PayPal and Stripe as the "centralized authorities" of credit card processing. It's still a system with multiple authorities/centers of power; you'd just be paying a third party for the convenience of integrating those multiple authorities into a single layer of abstraction. If you're worried about the aggregator somehow subverting or altering your requests, you can always cut them out of the transaction.
Not really, unless you think of PayPal and Stripe as the "centralized authorities" of credit card processing. It's still a system with multiple authorities/centers of power; you'd just be paying a third party for the convenience of integrating those multiple authorities into a single layer of abstraction. If you're worried about the aggregator somehow subverting or altering your requests, you can always cut them out of the transaction.