As a one-man team?
No, of course not, the reference is for a solution that is managed by a 3rd party (by the provider) and you integrate with this provider via API or any other ways, and then you pay commission to the provider for providing this solution, just the commission needs to be reasonable, not something that has a price high in the sky. Thanks.
sounds easy and only the API and still the provider will do their job. but also a better source of income if you successfully make it work. it might just depend on how much is that reasonable price you are talking about.
if it's only affordable for small-time investors who could pay just $5k a lot of us may have been doing it. but it must be hard work and security is the most important in this project. it might be easier just to develop under a private label and still have to work for the support.