diff --git a/modules/ppcp-wc-gateway/services.php b/modules/ppcp-wc-gateway/services.php
index 494bb7e9e..29c3cba6a 100644
--- a/modules/ppcp-wc-gateway/services.php
+++ b/modules/ppcp-wc-gateway/services.php
@@ -750,10 +750,15 @@ return array(
 				'class'        => array(),
 				'input_class'  => array( 'wc-enhanced-select' ),
 				'default'      => array(),
-				'desc_tip'     => true,
-				'description'  => __(
-					'By default all possible funding sources will be shown. You can disable some sources, if you wish.',
-					'woocommerce-paypal-payments'
+				'desc_tip'     => false,
+				'description'  => sprintf(
+				// translators: %1$s and %2$s are the opening and closing of HTML <a> tag.
+					__( 'By default, all possible funding sources will be shown. This setting can disable funding sources such as Credit Cards, Pay Later, Venmo, or other %1$sAlternative Payment Methods%2$s.', 'woocommerce-paypal-payments' ),
+					'<a
+						href="https://developer.paypal.com/docs/checkout/apm/"
+						target="_blank"
+					>',
+					'</a>'
 				),
 				'options'      => array(
 					'card'        => _x( 'Credit or debit cards', 'Name of payment method', 'woocommerce-paypal-payments' ),
@@ -1988,12 +1993,12 @@ return array(
 				),
 				'class'        => array(),
 				'input_class'  => array( 'wc-enhanced-select' ),
-				'default'      => $container->get( 'api.shop.is-psd2-country' ) ? '3D_SECURE' : 'NO_3D_SECURE',
+				'default'      => $container->get( 'api.shop.is-psd2-country' ) ? 'SCA_WHEN_REQUIRED' : 'NO_3D_SECURE',
 				'desc_tip'     => true,
 				'options'      => array(
 					'NO_3D_SECURE'      => __( 'No 3D Secure (transaction will be denied if 3D Secure is required)', 'woocommerce-paypal-payments' ),
 					'SCA_WHEN_REQUIRED' => __( '3D Secure when required', 'woocommerce-paypal-payments' ),
-					'SCA_ALWAYS'         => __( 'Always trigger 3D Secure', 'woocommerce-paypal-payments' ),
+					'SCA_ALWAYS'        => __( 'Always trigger 3D Secure', 'woocommerce-paypal-payments' ),
 				),
 				'screens'      => array(
 					State::STATE_ONBOARDED,