PayPal does provide a Subscription only API for PayPal payments or Guest Checkout where buyer's prompt to create PayPal personal account. To achieve a Credit card subscription I'd reckon to refer to Braintree Vaulting functionality wherein you can have both Credit Card & PayPal. Braintree Vault Overview: Our Braintree Vault securely stores customer information – including payment method information – so you can safely keep customers on file. The Vault is used to process payments with our recurring billing feature, and can also be used for non-recurring transactions so your customers don't need to re-enter their information each time they make a purchase from you. https://articles.braintreepayments.com/control-panel/vault/overview/service
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