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I sell a software production online. The purchase page has a simple credit card payment form, and off the side is a small "PayPal" button an an alternative pay

by Osiris 11y ago

I sell a software production online. The purchase page has a simple credit card payment form, and off the side is a small "PayPal" button an an alternative payment method. Despite the fact that the PayPal button is tiny compared to the credit card form, a full 2/3 of customers use PayPal to complete the purchase. That's why people use PayPal, because a large percentage of customers prefer it over credit card payments. Also, I prefer PayPal disputes because they don't charge a chargeback fee like credit cards.

sombremesa 11y ago
For me, it's not that I prefer PayPal, it's that I don't want to give my credit card details to a business if I'm not sure they can keep it reasonably secure. And the fewer places I have my card the better. You might get the same results with Amazon Payments, unless you have an international audience.
- jliptzin 11y ago
  You can use a virtual credit card number for such instances
  - fastball 11y ago
    What's a virtual credit card?
    - Domenic_S 11y ago
      Some banks will issue one-time use numbers for your cards, limited to a certain transaction amount and then they're gone. A pretty cool idea, but until they have an app that generates these numbers at the push of a button nobody really uses them. Too much of a hassle.
  - webjprgm 11y ago
    But that's a hassle. First you have to figure out how to use the webpage / app to get the virtual credit card number. Once you know, you still have to log into a separate service and click a few buttons. With PayPal or Amazon Payments you just click your password manager's button to log you in right in the checkout process on the same webpage.
- pnathan 11y ago
  > For me, it's not that I prefer PayPal, it's that I don't want to give my credit card details to a business if I'm not sure they can keep it reasonably secure. This is exactly why I use PayPal. I would far rather use a more reputable interface system, but I am NOT keen on handing my CC info out to every shop online.

by Osiris 11y ago

sombremesa 11y ago

For me, it's not that I prefer PayPal, it's that I don't want to give my credit card details to a business if I'm not sure they can keep it reasonably secure. And the fewer places I have my card the better. You might get the same results with Amazon Payments, unless you have an international audience.

jliptzin 11y ago
You can use a virtual credit card number for such instances
- fastball 11y ago
  What's a virtual credit card?
  - Domenic_S 11y ago
    Some banks will issue one-time use numbers for your cards, limited to a certain transaction amount and then they're gone. A pretty cool idea, but until they have an app that generates these numbers at the push of a button nobody really uses them. Too much of a hassle.
- webjprgm 11y ago
  But that's a hassle. First you have to figure out how to use the webpage / app to get the virtual credit card number. Once you know, you still have to log into a separate service and click a few buttons. With PayPal or Amazon Payments you just click your password manager's button to log you in right in the checkout process on the same webpage.
pnathan 11y ago
> For me, it's not that I prefer PayPal, it's that I don't want to give my credit card details to a business if I'm not sure they can keep it reasonably secure. This is exactly why I use PayPal. I would far rather use a more reputable interface system, but I am NOT keen on handing my CC info out to every shop online.