PayPal is a good option in these cases as it means you don’t need to give you card details directly to the merchant. Although in reality this doesn’t happen due to PCI if something like Stripe is done properly, you are still typing in your details on a website you don’t 100% trust, so there is a mental barrier. I wonder if Stripe have considered having a ‘Stripe Account’ for consumers where you can link your cards/payment methods so they can have a checkout process like PayPal...