We have not been a PayPal user for a long time but our customers get a panic reaction when they only get the option to log on to PayPal when they want to pay with a credit card. It feels a bit random which page comes up:
The page you get instantly asked to log on to PayPal
The page with all the fields to fyll in card number etc.
When my customers get #1 up they panic and abort the process if they don't have a PayPal account.
We are as well getting message from customers that get #2 up that they don't get the option to accept PayPal terms and condition. The countries that we have gotten the message from are Germany, France and Switzerland.