I probably don't have the skills to write a video game from scratch... but I can knock out a payment processor integration in a day... so, why the hell do these companies keep relying on Google and PayPal to shitcan their businesses? Man up, get a real payment processor, where you can get real people on the phone. I'd suggest Chase Bank. If it's about conversions, if you're selling something people will only buy through PayPal, you're doing it wrong.