Regarding Steem.Ninja's ebook package: I understand the reason, but for new users it is a difficult concept to grasp. And the process implies users know what they are doing and will follow instructions from the email.
Another small issue - payment with ETH. It requires a new window and by default this operation is blocked on iPhone's Safari. To the user it looks like a mistake.
SteemWallet allows payment for Steem accounts with a credit card through Stripe (Paydro?) https://steemwallet.app/widget/widget.html and directly via the SteemWallet app. The process looks optimal.
Yes. Not sure how they are doing this. It’s likely against stripe tos
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