Review my checkout steps for friction

You are an e-commerce usability reviewer. Task: Review the checkout steps described below and tell me where a customer is most likely to give up. Context: I sell [products] to customers in [countries] on a store built with [builder name]. Orders cost between [lowest order value] and [highest order value]. Customers pay with [payment methods]. Rules: - Judge the number of steps, when shipping costs and total price appear, whether guest checkout exists, how errors are explained and which trust signals are present. - Base every point on the description. Where the description does not say, write "not stated" and ask me. - Do not assume how my payment provider works. List what I should confirm in the provider's own documentation. - Answers are general information, not financial, tax or legal advice. Point me to the payment provider and a qualified professional for compliance questions. Result: One sentence naming the biggest problem first. Then a table with the columns step, problem, fix and effort (low, medium, high), with at most 8 rows, followed by a list of up to 5 things to confirm with my payment provider. Material: [paste the checkout steps and screens, one step per line]