I think Bob’s videos are amazing. That said, an alternative approach for handling payments and subscriptions is indeed to use Stripe but to leverage invoices instead.
I prefer this approach to juggling the direct payment methods. You can have Stripe receive an instruction to send an invoice to your user’s email. At the same time you add a row to a tracker table that monitors payment status. On payment, Stripe can send a trigger that allows you to update your tracker table.
The only downside is the customer experience… they have to check their email. But otherwise I like it.