Interstingly, while the stats for accounts have similar high-up countries to those for number of payments, the margin by which the top ones are at the top is much less. While difficulty in paying could explain this for some nations (notably, I suspect, Japan, which is #3 on the accounts list but not top 10 in payments), it couldn't in all (e.g. Visa/Mastercard/AmEx are the standard credit cards in .uk as well).

So it seems as though there's probably a significant difference in the free:paid ratio between the US and other countries, which I find intriguing. There's probably an interesting discussion to be had (maybe somewhere else!) on why this is...