<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>konschubert</author><text>Be careful if you pay with PayPal in foreign currency, they have super-bad conversion rates that they try to trick you into accepting. You can turn this off if you can see through their dark patterns.&lt;p&gt;But as a rule of thumb, PayPal is a scammy company that I now try to avoid where I can.</text><parent_chain><item><author>teleforce</author><text>Kudos to Indian govt, this should be the default for any e-commerce websites. I have to resort to PayPal to avoid my credit card being stored in the e-commerce merchant sites but some of sites do not support PayPal. It seems that Amazon somehow would not even allow me to delete my old and expired credit card from my account.</text></item></parent_chain></comment><story><title>Indian online merchants cannot store credit card information from 2022</title><url>https://rbi.org.in/Scripts/NotificationUser.aspx?Id=12159&amp;Mode=0</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>vivekv</author><text>Indian merchants have to support UPI - another payment mechanism which is secure. I tend to use that in most places so that I dont have to store my card details.</text><parent_chain><item><author>teleforce</author><text>Kudos to Indian govt, this should be the default for any e-commerce websites. I have to resort to PayPal to avoid my credit card being stored in the e-commerce merchant sites but some of sites do not support PayPal. It seems that Amazon somehow would not even allow me to delete my old and expired credit card from my account.</text></item></parent_chain></comment><story><title>Indian online merchants cannot store credit card information from 2022</title><url>https://rbi.org.in/Scripts/NotificationUser.aspx?Id=12159&amp;Mode=0</url></story>