I set up stripe first, and then paypal. That caused the paypal graphic to show, even when I clicked on "credit card". And clicking on credit card wouldn't do anything. I went back into my payment settings, and selected Stripe, and now they both work fine, switching back and forth. So credit card is the default, then clicking on paypal makes the credit card info boxes to go away, and the paypal logo shows. Clicking back on credit card makes the paypal logo go away and the credit card area shows.
I just had it happen again where a payment area showed up (credit card) for my free membership level.