One thing to keep in mind is that Paypal and Stripe are Payment Facilitators, not payment processors. You do not have your own merchant account when you use the

One thing to keep in mind is that Paypal and Stripe are Payment Facilitators, not payment processors. You do not have your own merchant account when you use them, you exist as a sub id on their master merchant account. I suspect this is why the rules are different than what you would see with an actual merchant account through a bank.