To me the main barrier of adoption would be asking my users to create an account with a 3rd party provider in order to be able to pay me.
That's a lot of added friction and I'd be afraid of the impact this would have on conversion rates.
Wouldn't it be possible to embed your solution on my website so the user just adds their Credit Card once then gets properly billed from there?
We plan to provide the classic "Google Sign-In" style pop-up window instead of a redirect. Research indicates that it can increase conversion by approximately 5-10%.
Additionally, we are considering a white-label onboarding flow. If the merchant provides proof of customer identity, we can also skip the sign-in step. Both of these should help improve conversion rates.
A fully embedded solution is possible, but it would require the merchant to collect the customer's card details on Small Transfers' behalf (using Small Transfers' Stripe publishable key), which complicates things from both implementation and legal perspectives.