The main reason I don't buy shoes online is because it's so difficult to find a good fit.
In a store I can easily and quickly try on a whole bunch of shoes, and if none of them fit or I don't like them, all I do is just walk out of the store.
With online shoe purchases, I have to not only wait for delivery but then if they don't fit I have to send them back. Also, I've heard of Amazon closing people's accounts when they made too many returns, so even though Amazon has a great return policy, I am wary of trying on and returning too many shoes. I'd just rather shop in a brick and mortar store when none of this is an issue.
As for Payless, I love them. I could find much cheaper shoes there than anywhere else in my area, and I had no complaints about the quality of the shoes I bought. Their closure means I'll have to pay more for shoes, which is something I can ill afford to do.