I've run both types of signup flows and less friction doesn't always mean better results when you need real customer commitment for them to realize the value of

I've run both types of signup flows and less friction doesn't always mean better results when you need real customer commitment for them to realize the value of your product/service (i.e. spend time doing integration, either in terms of dev work or business processes). A credit card indicates more serious buy-in (they've gotten payment approval already) and they're more mentally invested in giving the product a real try before the end of the trial. And, as I said before, if you have an expensive onboarding process, taking on more customers than you can handle onboarding just means you lose them when you can't properly serve them. Better to have fewer highly satisfied customers per day/week/month than lots of trials that never end up paying. You can't boil everything down to a rule that applies to all businesses. Taking a credit card doesn't mean there's a forced continuity scam happening as that post seems to imply. You can make cancellation a one-click process, and send reminders before the trial ends (and should do so either way -- a good series of lifecycle e-mails are critical to converting trials). Lots of companies with pretty pristine reputations offer free trials that require a card, from Netflix to Amazon.