It's difficult to test, because by not having credit cards a lot of fake orders are now excluded, lowering the conversion ratio that way.
So if I did a test of showing only PayPal to half of customers and PayPal + credit cards to half, the one with CC could win just because of the fake sales.
I guess what I mean is, "do people really need the credit card option? If you just demand they use PayPal and they want your unique service, then they'll find a way to pay".
So if I did a test of showing only PayPal to half of customers and PayPal + credit cards to half, the one with CC could win just because of the fake sales.