It should he an issue for you. That is because PayPal is stopping a lot of payments with false positives. I live outside US and using PayPal is generally a pain in the ass.
If it's true I'd expect that we'd get alot more complaints from customers that their cards are being rejected.
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.