i appreciate the value of excellent UX and kudos to stripe for sharing this but personally, i've never been so fickle about a donation or purchase that the UX was the difference between me completing the transaction vs. not.

there have been times i've had to 'abandon' a checkout step and return later, but i can't recall any times that a financial transaction was important enough to make but not important enough to return to, e.g. if i didn't have a particular card with me.

stripe sees things differently--and probably for good reason--but i wonder if they might be inferring user intent from user behavior too directly.