[avibryant]

I take your point that there are a number of possible explanations (at varying levels of plausibility) for this effect, but to address a specific example you mention: whenever we change something significant in Checkout like adding the "remember me" option, we A/B test it, and if it did in fact cause a "horrible drop in conversions" we would absolutely not release it. (It doesn't).

[Silhouette]

whenever we change something significant in Checkout like adding the "remember me" option, we A/B test it, and if it did in fact cause a "horrible drop in conversions" we would absolutely not release it. (It doesn't).

With the greatest respect, while that may be true on balance over the entire population of Stripe-using businesses, it won't necessarily be true for all of them individually.

(I have inside knowledge of various businesses, at least one of which did switch from Checkout to Stripe.js for the kinds of reasons I mentioned before. However, I have no idea how well or otherwise any mostly small and UK-based companies I know about might represent your customer base as a whole, so I didn't want to be unfairly critical.)