[jasonlotito]

> The goal of this design is to reduce the friction

And I applaud you for that!

> All of the things you mentioned are things I'm actively working now to address.

Awesome!

I should make it clear, I'm not posting this as a "OMG He's wasting his time!" As I said, I spent a decade working with this, and I can appreciate the difficulties of a frictionless payment process. I wanted to share my experience with you just in the hopes that you can do exactly what you are doing: improve it.

=)