My only problem with your payment page is the assumption that your customer wants you to store their credit account information on your servers! I always expect programmers are careful to not make such assumptions and not set the default to select changing to saved from their current status of NOT saved. I should not have to deselect this item. It would be okay to not have a default at all and force the customer to choose, but please don’t make it easy for me to miss this item and accidentally select trusting you to safe guard my credit information on your servers.