[hartard]

It's likely this was a conscious business decision; PayPal derives value through its brand, which is lost to consumers (buyers) using the platform if the platform becomes a white label solution.

PayPal wants customers to know they can pay with PayPal at business/merchant X, not just their credit card.

[fineline]

Indeed, Paypal doesn't want you to pay with your credit card, and won't let you change your default PayPal payment method. You have to go through a process to select it Every.Single.Time, if you remember, and if you overlook to do it - well, what do you know, PayPal just saved the CC fee...