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This year, more and more people are shopping online and millions of new buyers have discovered Etsy, which has resulted in an increase in order issues for purchases not completed with Etsy Payments. When a buyer purchases from a shop that does not have Etsy Payments, Etsy can’t help facilitate the payment process or support in resolving order issues between buyers and sellers. We’ll continue to work to expand Etsy Payments into more markets, but in the meantime, we’re building more checks for the non-Etsy Payments onboarding process in order to address potential issues for both buyers and sellers and to help keep the Etsy marketplace safe.