> I left our existing Paypal integration in place, and shockingly almost 25% of my transactions still come from people who deliberately click on and decide to

> I left our existing Paypal integration in place, and shockingly almost 25% of my transactions still come from people who deliberately click on and decide to use Paypal in place of just a simple "enter your credit card information" form. European here, but perhaps my experience is relevant: for nearly all the online credit-card processors, this step will require push-TAN and will fail for me. A fair proportion of websites are buggy and will not gracefully recover the session after the processor reports failure. Paypal, in contrast, has always been unproblematic. I'm patient and generally try the card before Paypal, but impatient customers in the same boat may behave differently.