Most users are completely fine with card payments via Stripe, especially if your checkout looks clean and trustworthy. PayPal anxiety tends to show up more with one-off purchases on unknown stores - subscriptions are a different dynamic.

That said, your instinct about adding PayPal later is solid. Launch with Stripe first, get your core flow working, then look at your drop-off data. If you're losing users at checkout, that's the time to add PayPal as a second option - not before.

One thing worth noting: if you ever move into AI-powered features or need flexible billing logic, having a clean Stripe setup from day one makes that expansion much smoother. I've seen projects built on VB6-era payment logic that became a nightmare to migrate - starting with Stripe saves you that pain entirely.