I have the same problem, and on the off-chance that a PayPal employee bothers to read these forums, you're losing my business because of this. Not entirely, I won't pretend I'm quitting over this, and I still use paypal occasionally, but not for ALL my online purchases—which I really would if it was more easy/convenient—but it's not just one-click, so I don't. I've been stung a few times by charging things to the wrong card. Why? Because (a) my default payment source is never what I want it to be, and (b) I cannot nickname my cards. So every time I use paypal, I have to change the different payment source, and when prompted with a list of many cards with similar last-four-digits, sometimes I've made the wrong choice. To make the right choice, I need to go check my actual cards... all in all, it's about a 30 second process with a bunch of clicking and confirming numbers... unnecessary hassle. So instead, I use another solution. A password manager that remembers my credit card details, and lets me name them so it's easy to choose from the list. It takes about 3 seconds to hit the shortcut and select a card from the list. So I pay direct with my card on the vendors payment portal or whatever instead of via paypal. It's much quicker for me. I'd like the added security of paying via paypal, but honestly the hassle factor is so much lower for literally every other website than yours, because my browser/plugin fills it out for me in a second or two, rather than your intentionally hobbled implementation. And yes, it's intentionally hobbled. I'm certain we used to be able to select a default card. And I'm certain there is no technical challenge to implementing this, because years and years of requesting it has resulted in nothing. It's a business decision plain and simple. PayPal are intentionally disabling choosing a default payment source because they think it's more profitable. And sure, a direct debit from my bank account would mean a lower transaction fee, I get it, you want to push me into that by putting it as the default. But because of this, you've genuinely lost about 90% of my transactions. I can only guess at your goals here, but I would think the overall business case would be much better if you had more transactions, even if you earned less per transaction. I'm telling you (PayPal) because I would actually happily use your system if it was actually convenient to pay for something with the payment source I want to use. If/when you decide to let me set a default card and name my cards so I can select the right one from the list, you'll see a lot more of my transactions.
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