I simply cannot agree more!
SE should actually have a paypal account itself... most games do. As you do, I also only trust paypal and really hesitate when some website asks me for credit cards... if it doesnt have paypal I simply avoid using it (over 3-5 years with my current paypal account, dont really remember when i registered in there for the first time lol...)

However, the same thing applies to the game itself, like the website, it should be really optimized to be easy to understand.

Thumbs up to you