Would a customer complain to you because of a paypal doesn’t cater to them ?
In particular, credit card setings are multi-step and all done on the paypal site, I wouldn’t imagine going back to some merchant site to complain about that process.
> In the absence of any hard data on this, I'm writing it off as nectodal.
The Internet is full of this stories from people with good karma. Just look for it on Internet. Probably you are from one of the few countries where the experience is different.
In particular, credit card setings are multi-step and all done on the paypal site, I wouldn’t imagine going back to some merchant site to complain about that process.