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That doesn't necessarily follow. It shows that users prefer PayPal, but not that they wouldn't use alternatives if PayPal's not available. If they really want to know the answer, they could do an A/B test with missing PayPal and see how many people drop out without it.

Also, was PP the default/first payment option by any chance?

>If they really want to know the answer, they could do an A/B test with missing PayPal and see how many people drop out without it.

I've done these tests, repeatedly; removing the PayPal payments option consistently leads to a statistically significant increase in cart abandonment. Some customers strongly prefer PayPal (especially on unfamiliar sites) and some don't have a credit card.

> and some don't have a credit card

If your customers are from Europe, it's not some, but most customers that don't have a credit card. Credit cards are uncommon here (probably hard to imagine if you are from USA).

Online payments are a fragmented mess in Europe. Most countries have their own preferred online payment method (like iDEAL or bancontact), Paypal is basically the only reliable method that works everywhere.

... But they have a debit card that work on the internet (and probably with mandatory 3D secure to boot). 90% of users in France are like that.

Paypal is because it's safe. I don't give that website I don't know anything, I give paypal a send order. Vastly different; I know paypal, I know they don't screw with the buyer in case an issue happen, and I know they're a bank here and can't drain my funds.

I hate them when I'm the seller, but my personnal experience with them as a buyer makes it clear as day why I need to deal with them.

> If your customers are from Europe

This is not a great approximation. In the UK you can assume almost every person has a payment card that works on the internet (debit and/or credit). In Poland on the other hand, the number of systems gets silly (https://m.lot.com/us/en/payment-methods-on-lotcom)

In Poland you can assume almost everyone has a debit card that works on-line.

WRT. your number of paying systems, note that there's exactly one Polish payment system there - DotPay. Every other system there is to support other countries (not surprising, given that you've picked up the site of the national airline).

There are outliers with a strong preference for cash, despite either owning a card and/or having almost no restrictions on acquiring one e.g. Switzerland is neither an EU nor EEA member, but is part of the single market; the Swiss seem to prefer cash over cards primarily for privacy reasons.


I guess that I was trying to say is: don't assume that people have credit cards. In many countries credit cards are uncommon.

Credit / Debit cards are the same thing online. We, as is USA people, use the terms interchangeable often. I'm going to guess that most EU people have some form of banking card. So we will continue to assume that people have a form of payment other than cash.

> Credit / Debit cards are the same thing online.

No, they are not. With a credit card you can pay by entering the card number, expiry date and CVC. With debit card you can't do that. The payment must go through your bank. It's a completely different payment flow.

> With debit card you can't do that

It depends on the debit card. I have both Visa Electron and Maestro, and they have 16 digits, CVV number and they behave like a credit card with 3D Secure when doing online purchases, while taking the money from the account right away.

There's also multifunction credit and debit cards (Mastercard and Maestro, or the Visa equivalent). They are branded like credit cards with a tiny Maestro logo on their backside, so I had to explain and ask the cashier in a grocery store in Amsterdam to try it as it would magically work as a debit card.

No idea what you are talking about. I have a VISA debit card and I pay the same way that I pay with my credit card. It is not a different payment flow on my end.

This is not true. They are not always the same thing and assuming so is a bad idea.

My debit card can't be used online except via iDeal, and only sites in this country (largely) support iDeal. I can, however, use it via paypal.

Hello HN readers arriving here: this is not true.

Not only do both have completely different payment processing workflows, but there's another key takeaway:

With a credit card the money going out is the issuer's. If you have a compliant or need to handle a charge, it's not your neck on the line.

With debit? Once the cash is pulled it's pulled. Yes they have protections as well, but while you're fighting with your bank to get your money back it's gone.

Same with the Baltic states - almost everyone here has a CC and there are no popular local payment systems AFAIK.

Sure. But it still doesn't necessarily mean "PP bans them, they will still be out of business". It may. But I disagree with the jumping to conclusions unless it's been tested (and it doesn't sound like OP did)

I didn't, but that wasn't up to me, I just did the technical implementation for them.

Not parent but been there done that. Merely moving PayPal out from first / default choice to alternative translates to lost sales.

Until you're big and known enough buyers don't trust you, but they trust PayPal.

Personal anecdote: I often will prefer PP as a consumer out of laziness. Its quick and easy and most sites support it, but if PP isn't an option, then I'll happily use a different method.

My anecdote: Deprioritizing paypal directly leads to lost sales

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