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>If they really want to know the answer, they could do an A/B test with missing PayPal and see how many people drop out without it. I've done these tests, repe

>If they really want to know the answer, they could do an A/B test with missing PayPal and see how many people drop out without it. I've done these tests, repeatedly; removing the PayPal payments option consistently leads to a statistically significant increase in cart abandonment. Some customers strongly prefer PayPal (especially on unfamiliar sites) and some don't have a credit card.

viraptor 8y ago
Sure. But it still doesn't necessarily mean "PP bans them, they will still be out of business". It may. But I disagree with the jumping to conclusions unless it's been tested (and it doesn't sound like OP did)
- LeonM 8y ago
  I didn't, but that wasn't up to me, I just did the technical implementation for them.
LeonM 8y ago
> and some don't have a credit card If your customers are from Europe, it's not some, but most customers that don't have a credit card. Credit cards are uncommon here (probably hard to imagine if you are from USA). Online payments are a fragmented mess in Europe. Most countries have their own preferred online payment method (like iDEAL or bancontact), Paypal is basically the only reliable method that works everywhere.
- viraptor 8y ago
  > If your customers are from Europe This is not a great approximation. In the UK you can assume almost every person has a payment card that works on the internet (debit and/or credit). In Poland on the other hand, the number of systems gets silly (https://m.lot.com/us/en/payment-methods-on-lotcom https://m.lot.com/us/en/payment-methods-on-lotcom)
  - LeonM 8y ago
    I guess that I was trying to say is: don't assume that people have credit cards. In many countries credit cards are uncommon.
    - thedaemon 8y ago
      Credit / Debit cards are the same thing online. We, as is USA people, use the terms interchangeable often. I'm going to guess that most EU people have some form of banking card. So we will continue to assume that people have a form of payment other than cash.
      - eythian 8y ago
        This is not true. They are not always the same thing and assuming so is a bad idea. My debit card can't be used online except via iDeal, and only sites in this country (largely) support iDeal. I can, however, use it via paypal.
      - LeonM 8y ago
        > Credit / Debit cards are the same thing online. No, they are not. With a credit card you can pay by entering the card number, expiry date and CVC. With debit card you can't do that. The payment must go through your bank. It's a completely different payment flow.
        rescbr 8y ago
        > With debit card you can't do that It depends on the debit card. I have both Visa Electron and Maestro, and they have 16 digits, CVV number and they behave like a credit card with 3D Secure when doing online purchases, while taking the money from the account right away. There's also multifunction credit and debit cards (Mastercard and Maestro, or the Visa equivalent). They are branded like credit cards with a tiny Maestro logo on their backside, so I had to explain and ask the cashier in a grocery store in Amsterdam to try it as it would magically work as a debit card.
        thedaemon 8y ago
- nolok 8y ago
  ... But they have a debit card that work on the internet (and probably with mandatory 3D secure to boot). 90% of users in France are like that. Paypal is because it's safe. I don't give that website I don't know anything, I give paypal a send order. Vastly different; I know paypal, I know they don't screw with the buyer in case an issue happen, and I know they're a bank here and can't drain my funds. I hate them when I'm the seller, but my personnal experience with them as a buyer makes it clear as day why I need to deal with them.

viraptor 8y ago

Sure. But it still doesn't necessarily mean "PP bans them, they will still be out of business". It may. But I disagree with the jumping to conclusions unless it's been tested (and it doesn't sound like OP did)

LeonM 8y ago
I didn't, but that wasn't up to me, I just did the technical implementation for them.

LeonM 8y ago

> and some don't have a credit card If your customers are from Europe, it's not some, but most customers that don't have a credit card. Credit cards are uncommon here (probably hard to imagine if you are from USA). Online payments are a fragmented mess in Europe. Most countries have their own preferred online payment method (like iDEAL or bancontact), Paypal is basically the only reliable method that works everywhere.

viraptor 8y ago
> If your customers are from Europe This is not a great approximation. In the UK you can assume almost every person has a payment card that works on the internet (debit and/or credit). In Poland on the other hand, the number of systems gets silly (https://m.lot.com/us/en/payment-methods-on-lotcom https://m.lot.com/us/en/payment-methods-on-lotcom)
- LeonM 8y ago
  I guess that I was trying to say is: don't assume that people have credit cards. In many countries credit cards are uncommon.
  - thedaemon 8y ago
    Credit / Debit cards are the same thing online. We, as is USA people, use the terms interchangeable often. I'm going to guess that most EU people have some form of banking card. So we will continue to assume that people have a form of payment other than cash.
    - eythian 8y ago
      This is not true. They are not always the same thing and assuming so is a bad idea. My debit card can't be used online except via iDeal, and only sites in this country (largely) support iDeal. I can, however, use it via paypal.
    - LeonM 8y ago
      > Credit / Debit cards are the same thing online. No, they are not. With a credit card you can pay by entering the card number, expiry date and CVC. With debit card you can't do that. The payment must go through your bank. It's a completely different payment flow.
      - rescbr 8y ago
        > With debit card you can't do that It depends on the debit card. I have both Visa Electron and Maestro, and they have 16 digits, CVV number and they behave like a credit card with 3D Secure when doing online purchases, while taking the money from the account right away. There's also multifunction credit and debit cards (Mastercard and Maestro, or the Visa equivalent). They are branded like credit cards with a tiny Maestro logo on their backside, so I had to explain and ask the cashier in a grocery store in Amsterdam to try it as it would magically work as a debit card.
      - thedaemon 8y ago
nolok 8y ago
... But they have a debit card that work on the internet (and probably with mandatory 3D secure to boot). 90% of users in France are like that. Paypal is because it's safe. I don't give that website I don't know anything, I give paypal a send order. Vastly different; I know paypal, I know they don't screw with the buyer in case an issue happen, and I know they're a bank here and can't drain my funds. I hate them when I'm the seller, but my personnal experience with them as a buyer makes it clear as day why I need to deal with them.