That’s exactly how it is, your current software will eventually stop handling everything. And the whole workflow slows down as a result. Or you just need extra functionality because the old set of features is no longer enough. That’s exactly what happened with the ready-made payment gateway I used before, and I went to spd.tech/payment-gateway-development/ for a custom solution that fits my business better. In short, there are no strict deadlines. Everyone’s situation is different. As said above, just stay attentive to your business and you won’t miss the moment.