While it's similar, I think there's hesitation since the customer might not know that it's similar in this regard. Plus the act of re-entering the credit card

While it's similar, I think there's hesitation since the customer might not know that it's similar in this regard. Plus the act of re-entering the credit card number and/or not being able to use a recurring PayPal balance to pay off something might be a non-starter for some.