Okay that's slightly weird Disclaimer thing there. I personally don't think it'd be that challenging to do, considering MMO's like Dofus/Wakfu. The Secret World, Aion, SWTOR, possibly WoW (never played it), have it set up this way with paypal. I have a feeling it's more of a personal preference on their part at this point. I wouldn't be surprised if I went wandering MMO sites and find they too have a no credit card paypal setup. Did you actually right up that disclaimer bit??