There were a few changes since last time I made a payment, and they're a little confusing. Seems the save-payment-method option was pre-checked with a green button to proceed. That's going to cause many accidental "saves". It should be something that's opted IN, not require an action to opt out. Then the last step requires a SMS verification code. Why is this at the end? Hasn't it already processed my payment? If someone decides not to continue, does that mean the payment doesn't go through?