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My customers only see the 'Login to PayPal'. How do I make payment by Credit Card available? (WPS)

There are a number if settings that affect the Credit Card Option:

(Note:  Your generated Button Code does not require no special coding. It's related to how your Account is setup.)

  • Account must be either Premier or Business.
  • PayPal Account Optional is turned on - this enables non PP Members to pay by Credit Card
  • The email address you use to log into your PayPal Account must be verified.
  • The same email address should be used in your HTML Button Code.
  • Bank account registered and verified/tested - so you can transfer funds
  • Credit card registered - (optional)


To turn on the PayPal Account Optional feature, do the following:


  • Login to your PayPal Account,
  • Select "Edit Profile", under "Selling Preferences"
  • Select "Website Payment Preferences"
  • Scroll down to "PayPal Account Optional".


There are also other reasons the Credit Card Option may not be available.

  • You are using Express Checkout. Express Checkout requires a PayPal Account
  • The country you reside in. Not all countries have all the PayPal features available.
  • The country your customers reside in. Not all countries have all PayPal features available.
  • The IP address of your hosted site is on a blocked list.



If you have checked all of the above: You have your PayPal Account setup properly and non of the other possibilties seem to apply, but, you still don't see the Credit Card Option or only see a small link to the Credit Card Option.

The PayPal payment screens are designed to be displayed in a specific way based on the cookies and/or your PayPal Account configuration.

Cookies are used to track where your customer is in the sales process, and whether that customer is new or returning. The PayPal cart will retain certain info about your customer and therefore the screen that is displayed may not be the screen you expect them to see. If they are a new customer visiting PayPal for the first time, the Credit Card Option will be clearly displayed.

If this is their second or third visit to PayPal and their previous cookie has not expired, Paypal now views you as a returning customer. They will get a screen with a small link to the Credid Card Option. Although this is not as obvious to the customer as you might like, the Credit Card Option is still available. Generally the cookie that holds the cart info will retain that info for 21 days. The only way it will change is if they remove the items selected from the cart or delete the cookie.

You may be seeing this problem because your are testing your web pages, creating new code or making changes, etc... To fix this, simply delete your web browser's cookies, then close your web browser, reopen it and try the web pages again. When you view the PayPal Screens, you will now get the screen with the Credit Card Option because PayPal views you as a new visitor.

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