I've done a bunch of art and stuff for StudioWhy for a while now so I thought I'd try to explain a bit of what WhyCloud is suppose to be.
WhyCloud is mostly separate from the game making dudes, but it's basically going to be a tool to help people set up their own websites by choosing their own hosts and payment processors. The tech nerds had already been doing something similar on our own backend to streamline working from different places from around the world.
It was something they were going to put out for the public eventually but once sites like Steam, Patreon, Itch.io, etc started banning lewd games they decided to try and get it out faster since this is an issue that is going to come for all of us eventually. We've already been delisted from sites before.
tl;dr StudioWhy isn't making their own payment processing company. It's a web tool for devs and anyone wanting to create their own website and picking their own payment processors.