I have the same issue and honestly considering closing my store. Paypal IS my only pay gateway option and my customers have to register an account with Paypal before they can pay and check out. My customer cannot checkout as guest only ,pay with a credit card and have an effortless checkout experience. Customers buy on impulse and don’t the effort to register and account first before checkout - sigh..... Yes, all my settings are correct in order to have the account as optional and yes shopify is ticked to allow guests to checkout as a guest only.
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