[citricsquid]

I wonder if people are often scared of Paypal, even after it's become so entrenched in online payments. I would think the process for the average user (regardless of payment system used) is:

1. Do I want to purchase from this website 2. Do I trust this website to provide my payment info to it

If they use Stripe, there is no real "signal" that it is Stripe, the user thinks it is part of the website, the website they have already decided to trust. If a user answers yes to 1 and 2 with Stripe then they will purchase. With Paypal there is another step:

3. Do I trust Paypal to provide my payment info to it?

The user first has to trust the website and then trust Paypal, whereas with Stripe they only have to trust the website (because they don't know what Stripe is, and as long as they remain on the website they assume it's the same thing). So there is an extra step that the user can be turned off at, even if only 1 in 10 people answer yes to 1 and 2 but then no to 3 it can be significant.

Might be a crazy theory... but it seems plausible. Although at the same time quite a lot of people (my parents for example) trust Paypal and any website that uses Paypal, so it could be the case that the value of the Paypal brand negates the customer loss of people that have never heard of Paypal and decide they don't trust it.

[simonbrown]

I trust Paypal more than most websites. They take steps like using SSL site-wide (with HSTS) and X-Frame-Options, for example, which a lot of e-commerce websites don't. Of course, this is negated if the user doesn't trust Paypal, or doesn't understand what it does.

Website owners probably dislike the loss in branding when using Paypal, which makes them look less professional.

[omarchowdhury]

The best option might be have a branded checkout using Stripe, and an option to pay with PayPal for those who maintain PayPal accounts.

[billycoover]

Not a bad idea. As a site owner, I prefer to have my checkout branded as my site. I'm not a fan of the paypal experience. It feels cheap. However I certainly understand that people prefer paypal over stripe or other payment systems. To say "use our checkout system, or pay with paypal" would be fine if the site owner wants to support it.

I've had a lot of people ask about integrating other payment platforms into Pay Pad. I'd love to build Pay Pad in a way that was platform agnostic. Just choose your payment provider/gateway and you're off.

We'll see what happens. If enough people want it, I'll do it I'm sure.

[Negitivefrags]

We launched with both Paypal and Stripe. Over about 70,000 transactions it has been an almost exact 50/50 split between the two payment methods.

I can't say for sure how many people would not have paid only given one of those options, but I'm sure it's a non trivial number.