If you plan to use Express, there is no option, in order for customers to check out using Express, they must have or open a PayPal Account.
As for not having the option in your account profile settings:
There are specific reasons the Credit Card Option may not be available to you or your customers.
* You are using Express Checkout. Express Checkout requires a PayPal Account
* You are using the wrong email address or an unverified email address.
* The country you reside in. Not all countries have all the PayPal features available.
* The country your customers reside in. Not all countries have all PayPal features available.
* The IP address of your hosted site is on a blocked list.
Additional Details concerning the option:
* Account must be either Premier or Business. Personal Accounts do not have this option.
* PayPal Account Optional is turned on - this enables non PayPal Members to pay by Credit Card.
* The email address you use to log into your PayPal Account must be verified.
* The "business" variable value in your button code must be a verified email address or your Business ID.
* Bank Account linked and verified - so you can withdraw or transfer funds.
* Credit Card linked and verified.
To enable the PayPal Account Optional feature:
Go to your Account Profile.
Select: My Selling Tools
Under: Selling Online
Locate: Website Preferences
Click on: Update
Locate: PayPal Account Optional
Click: On
Click: Save
When the "account optional" feature is turned on, customers don't need a PayPal account. They use an alternate checkout and have the option to sign up for a PayPal account afterward. Customers with PayPal accounts still log in to their PayPal accounts to check out.
This feature is available for Buy Now buttons, Donations, shopping carts and invoices.
Please note that if both the "auto return" and "account optional" features are turned on, customers who don't log in to PayPal can choose to go back to your website after checkout, but are not returned automatically.
