It's not always easy, technically, to refactor these disparate payment systems and software modules that evolved over many years, in independent silos.
Semantically there is little difference in this case, and the use of block structure, supported by indenting for readability, makes it easy for the programmer to refactor the code.
Owing to the fast paced nature of commercial software development there may not be sufficient time to remodel (or refactor) a system to support the new features trivially.
From the point of view of a programmer charged with performing refactoring, code smells are heuristics to indicate when to refactor, and what specific refactoring techniques to use.