I have a customer in the US who has recently tried to pay me, her payment was declined and the website reported I could only be paid through an option on my website. I have no such website and was wondering if this could be turned off?
The option to receive paypal payments is sadly not available in Zambia. You can only send payments for purchases funded by your (confirmed) credit card.
Paypal varies a lot country to country and can only offer the services that the banks / governments of that country allow it to offer. There are quite a few countries unable to receive paypal payments.