I get where you're coming from, but in terms of trust I think people check a few things: 1) Is my connection secure and encrypted, 2) Is either of Authorize.ne

I get where you're coming from, but in terms of trust I think people check a few things: 1) Is my connection secure and encrypted, 2) Is either of Authorize.net, PayPal, or Google acting as a payment gateway 3) Is the site established, and does it have verifiable feedback from people I trust, 4) Does a Google search show other people talking about the site, What are they saying, 5)Does the site's content converge to norms I've come to know and expect from credible companies I've patronised And 6) Is it located in the continental United States (if Yes that's icing on the cake... nothing more). I won't speak for most (I don't think you should either) because I have no grounds for basing an assumption of the "most people" magnitude. But I think there are a lot of measures people check before swiping the credit card on a virtual transaction. The US/non-US piece is one consideration, but that's my point: It's just one item on a list of important credibility checks.