Neophytus and Don,
Yes I know that's what the SC package was created for, and I realize that in an ideal world I would be writing a Paypal implementation for the Payment Gateway service contract.
Unfortunately, as far as I could see, the payment gateway service contract is too especific for credit cards. It asks for all sorts of data that simply are not available in, say, a paypal payment (or anything else that is not a credit card payment).