It absolutely is idempotent behavior of the system. The goal is "make an idempotent payment", and this approach ("return an error for duplicates") was standard for financial APIs before Stripe. It still dominates for ecommerce APIs.
It isn't complicated, though I can see how if your entire experience with financial APIs is Stripe, you might not be aware of how simple it is. Because Stripe's approach, while mildly more convenient for clients, is a PITA to implement properly.