That is a pretty normal % for abandoned carts. The ones you are losing in step 3 are more of a concern - they are paying at that point though - what payment options do you have, do you reassure them it is a secure payment, are your shipping fees too high?
MissHTML - what are you referring to in the shipping module - the fact that only one shipper's prices show at a time? That's what I don't like...
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