Account Optional Setting

[nysrs]

The Account Optional setting is enabled for Credit Card checkout. However, checkout is still requiring sign-in or account creation to checkout. How do we stop the required account at checkout?

[MySeniorCenter]

Our customers are also suddenly having this issue. After probably 10 years of it working correctly, something changed in April and now people are forced to have a PayPal account in order to complete their transaction. Couple hours on the phone with PayPal support has found a solution.

Hoping for an answer on this as well.