OK - I am new to PHP and OSCommerce but here is what finally fixed all my issues.
MODULE_PAYMENT_PAYPAL_CC_DESCRIPTION MODULE_PAYMENT_PAYPAL_CC_URL_TEXT is actually two separate definitions.
When I broke them up like this it worked
define('MODULE_PAYMENT_PAYPAL_CC_DESCRIPTION', 'What ever you want');
define('MODULE_PAYMENT_PAYPAL_CC_URL_TEXT', 'what ever you want');
Here is my PayPal.php file from \includes\languages\english\modules\payment\
<?php
/*
$Id: paypal.php,v 1.7 2002/11/01 05:39:27 hpdl Exp $
osCommerce, Open Source E-Commerce Solutions
http://www.oscommerce.com
Copyright (c) 2002 osCommerce
Released under the GNU General Public License
*/
define('MODULE_PAYMENT_PAYPAL_TEXT_TITLE', 'PayPal');
define('MODULE_PAYMENT_PAYPAL_TEXT_DESCRIPTION', 'PayPal');
define('MODULE_PAYMENT_PAYPAL_CC_TEXT', '<a href="http://www.paypal.com" target="_blank"><img src="https://www.paypalobjects.com/en_US/i/logo/paypal_logo.gif" border=0></a>');
define('MODULE_PAYMENT_PAYPAL_CC_DESCRIPTION', 'What ever you want');
define('MODULE_PAYMENT_PAYPAL_CC_URL_TEXT', 'what ever you want');
?>