I ran into trouble with paypal a long long time ago and since then my card has always been suspended with their service. The trouble i ran into was i had a donate button on a website community which also had some adult humor on it, and due to their strict policy any adult content cannot be combined with a donate button, i tried talking to them and explaining i removed the button but no avail.
Now i want to upgrade my community to xenforo but even though i don't need a paypal account (like you state) i cannot make the payment, cause paypal won't proccess my card.
Paypal is pure garbage, their impossible to deal with, why not allow direct bank transfer or bitcoin for payment?
I want to buy but i can't buy, think about that.