Well looks like I solved the problem (this may be helpful if anyone is curious). First, I know about the sandbox, etc. this is just easier and more real world for me to process a "REAL" transaction. After my first post, I had 3 friends perform the same action. 2 of them received the EXACT SAME error, so what was the difference with the 3rd. Interestingly enough, this 3rd person did NOT have a paypal accout (the other 2 did) and his transaction was flawless. So it is my interpretation that PayPal does not want you to pay for anything WITHOUT using your paypal account (if you have one). So where when it says "It looks like you have an account with paypal, do you want to use that account or continue without logging in", if you choose to continue with a straight cc transaction, it is hit or miss. Note: One of the 2 that did get this error was able to process a successful transaction after a 2nd try (which is why I say hit or miss).
... View more
