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We try to *nag* our surfers into creating an account as the first part of the conversion funnel.
We have multiple processing choices for our customers -- including our own processing company.
If you are using an outside processor your customers will have to jump through that processor's hoops too.
We are developing a payment wallet, a chartered online payment processor, that I would like to see accept payments from a network of approved websites. Ideally, the payment login might be OAuth and this would resolve your issues -- I will keep this pain point in mind ...
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