protected function isPaymentValidForUserCountry($user)
    {
        $payment = oxNew(\OxidEsales\Eshop\Application\Model\Payment::class);
        $payment->load("oxidpaypal");
        $paymentCountries = $payment->getCountries();

        if (!is_array($paymentCountries) || empty($paymentCountries)) {
            // not assigned to any country - valid to all countries
            return true;
        }

        return in_array($this->getUserShippingCountryId($user), $paymentCountries);
    }