Well I think bottom line is that's the rub, the burden to become a payment provider is high... which it should be, but that's because we need pretty damn good regulations on them (as obviously if their security goes to crap, the consiquences are insanely high).
In addition it kind of is a small group by design because, we can't have it as a large group. If we have a nice even spread across 50 payment processors, then either everyone needs 50 credit cards, or every service that needs to be paid needs contracts with 50 payment services.
My point is, pre-tiktok shooting landscape video was basic use 101. Maybe your grandpa would shoot vertical, but your teenage kid would know to turn the phone sideways. So I'd say it's either "bare minimum competence 2018 and below", that yeah I guess became "near professional" post tik tok. But to me it just says amature who hasn't paid attention to current media formats.
Because I'd feel that someone who was "professional" would have shot it vertical for tik tok today, as that's the platform to reach new people.