Having A/B tested both on-site and Paypal payments, customer opinion appears to be divided on this (almost 50/50 according to my tests). Some prefer going direc

Having A/B tested both on-site and Paypal payments, customer opinion appears to be divided on this (almost 50/50 according to my tests). Some prefer going directly to Paypal, others seem to like checking out on-site. I know from a UX perspective I prefer checking out on-site as it feels more seamless. Privacy and security are definite concerns which the Paypal brand does alleviate, however checking out with Paypal was a clunky process (it has improved in recent years, especially on mobile). My reason for not choosing Paypal (as a vendor) is that their API doesn't feel as well thought out as stripe's and I've had my Paypal funds frozen without any clear explanation as to why!