Good day @Mhudson48,
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. Also, contact the respective bank to check the card status.
Note : 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.
Please refer the guide link - https://www.paypal.com/us/cshelp/article/how-do-i-accept-cards-with-checkout-using-the-guest-checkou...
If your still facing any issues, please create a MTS ticket via - https://www.paypal-support.com/s/?language=en_US with the detail information and error details.
Sincerely,
Chiranjeevi
PayPal/Braintree MTS
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