> PayPal’s goal of acquiring customers gets in the way of user experience requiring them to collect way more input fields than Stripe on their card payment UI.

Isn't this a consequence of different rates the card processing networks charge dependent on how much data you provide? Like, only a CC # pays the highest rate, CC+CVV or CC+Name pays a bit lower, and the full set of CC+CVV+Name+Billing address pays the lowest rate?