As we offer both paypal and creditcards i have some ideas about this.
Low budget clients often uses paypal whilest "normal" budget and business budget clients more likely will use a credit card.
I think thats because "lowbudget" clients are more afraid of fraud and is not aware of their fraud...
Brand building is important for all long term companies, its a long process and takes years to build.
Not everyone is interested in spending money for years without getting the same back but building brand is not something you can do and expect profit next year.
I think too many of you talking...