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When does PayPal's checkout site offer a card payment option for buyers without a PayPal account?

If you are using PayPal Payments Standard, buyers will only see a PayPal checkout button in their shopping cart. if you need your cart to show a separate checkout button for card payments, you will need to add one of the services listed under the Payment Gateways section here.

However, even if you're only using PayPal Payments Standard, PayPal's checkout site can usually offer a card-based payment option for buyers who don't have a PayPal account. First make sure you have taken the free upgrade to a PayPal Business or Premier account that is PayPal Verified, and make sure you have set PayPal Account Optional: ON in your PayPal account under Profile > Profile & Settings > My Selling Tools > Website Preferences.

Once you have that set up, when a buyer clicks the PayPal checkout button in your cart, PayPal's checkout site will first check for a previous PayPal login cookie in the buyer's browser; if not found, they will ask the buyer to enter their email address. If a previous login cookie is found, or if the email entered is registered with PayPal, they will offer the choice to log into PayPal or pay with a card. If the email entered is not registered with PayPal, they will offer the choice to register for PayPal or pay with a card. Note that buyers cannot pay with a card that is already linked to a PayPal account.

If you're using E-junkie with a Payment Gateway, buyers who wish to pay with a card would simply click the dedicated Pay With Credit/Debit Card checkout button in their cart, rather than clicking the PayPal checkout button. Note that if you are using PayPal Payments Pro, the PayPal Express Checkout site would not offer the option to pay with a card in this case.

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