Good day @Momo994,
Thank you for posting to the PayPal community.
Merchant can't perform self payments, If your trying to perform LIVE payments, please process the payment via valid card which is not linked to your PayPal Business account or from a different LIVE PayPal account.
Unfortunately, Guest payment checkout(i.e payment via credit/debit without PayPal account) feature is not available for all Customers/Buyers.
Buyers don’t always have the option to make their purchases without using or creating a PayPal account. This option is presented based on several risk factors, including but not limited to the buyer's PayPal purchase history, PayPal cookies stored on the buyer's computer, the buyer's location, and/or a credit assessment.
If your website (built via third party platform eCommerce) processing payments via "Express Checkout" integration, I request to please contact your website developer (or) support of your third-party eCommerce platform to pass the variables "SOLUTIONTYPE=Sole" and "LANDINGPAGE=BILLING" in the SetExpressCheckout payment API request call to make sure guest checkout is offered as often as possible.
https://developer.paypal.com/docs/nvp-soap-api/set-express-checkout-nvp/
Please refer the guide link - https://www.paypal.com/us/cshelp/article/how-do-i-accept-cards-with-checkout-using-the-guest-checkou...
Pending transaction - https://www.paypal.com/cshelp/article/why-is-my-payment-on-hold-or-unavailable-pcc105
Sincerely,
Chiranjeevi
PayPal/Braintree MTS
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