If you are using PayPal Website Payments Standard (rather than PayPal Website Payments Pro), buyers will only see a PayPal checkout button in their cart; you can upgrade to Website Payments Pro to show a separate checkout button in your cart for card payments.
If you want the PayPal Website Payments Standard checkout site to offer a card-based payment option whenever possible for buyers who don't have a PayPal account, first make sure you have a PayPal Business or Premier account that is PayPal Verified and confirm that you have set PayPal Account Optional: ON in your PayPal account's Profile > More Options > My Selling Tools > Website Preferences screen.
If the buyer goes to PayPal checkout and does not already have a PayPal account, then PayPal's site will usually offer a direct card-based checkout option without requiring a PayPal account, or the buyer can choose to create a PayPal account immediately.
If PayPal's site detects a cookie in the buyer's browser from a previous PayPal account login, then they may assume the buyer either already has a PayPal account or is using a shared/public computer which may not be secure, so they will not offer the card-based checkout option in that case. If you are testing your own cart with a PayPal checkout, you would also encounter this behavior since presumably you would have logged into your own PayPal account recently; you should be able to see PayPal's card-based checkout option by clearing your browser cookies before you test your cart, or by testing with a different browser program that you've never used to log into PayPal.
PayPal Website Payments Pro will not offer buyers a card-checkout option on PayPal's site after the buyer clicks the PayPal checkout button in their cart. Instead, buyers who wish to pay with a card would click the dedicated Pay With Credit Card checkout button in their cart, rather than clicking the PayPal checkout button.
