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This patch provide an optional alternative to the current core.py/provider_factory method by setting an extra variable in the settings.
You could customize where the PAYMENTS_VARIANTS settings should be (DB instead of settings for exemple); have as many "stripe settings", isolated from one another.
I tried to provide as well a doc with this patch "doc/alternate_provider_factory.rst", it's a draft and unlinked from the other, as-is.
I needed to be able to configure a 'per entity in the DB' PAYMENT_VARIANTS list through the backend of my Django project. This patch helped me resolve this problem.