For merchants it is, I worked on a marketplace before and having checkout flows with higher than usual declines will eat on your sales. People don't tolerate it

For merchants it is, I worked on a marketplace before and having checkout flows with higher than usual declines will eat on your sales. People don't tolerate it so well and will either drop the purchase completely if it's a "want" and not a "need", or will go to the competition to finish the purchase.