I have searched this forum and have seen serveral posts regarding this issue --- Paypal IPN checkout doesn't show options for non-Paypal member to pay by credit card.
I am using paypal IPN with ZenCart1.3.7. My "PayPal Account Optional" in Profile --> Website Payment Preferences is set to ON. I did delete all browser cookies and exited the browser and restarted it before a re-test. The problem still exists.

When setup Paypal IPN I followed the instructions from https://www.zen-cart.com/tutorials/index.php?article=74
Somehow the Paypal guys think I "created 'Buy Now' button instead of a 'Shopping Cart' button, which really confused me. Your help is really appreciated.

I am pasting the Paypal tech support's email -- it's long, just for your reference.
------------------------------------------------------from paypal tech support --------------------
From looking at your screen shots, it appears that you have created a 'Buy Now' button instead of a 'Shopping Cart' button. Buy Now buttons are designed for single-item-single-payment type solutions. This is why you will not see a Continue Shopping button.

To create an "Add to Cart" button for your website, please complete the following instructions.

Log in to your account at https://www.paypal.com/

Click the "Merchant Services" tab.

Click the "PayPal Shopping Cart" link, one of the Key Features under PayPal Website Payments Standard.

Enter the details of the item you wish to sell and select the "Add to Cart" button you wish to use.

In the "Currency" drop down box, select the type of currency you would like to receive your payments in.

To add additional details, click "Add More Options" and fill out the appropriate fields. Otherwise click "Create Button Now."

If you have specified additional details, click "Create Button Now."

Copy and paste the HTML code into your website.

To save the code to use later, copy it into a text file.

Click "Done" if you are finished creating buttons, or "Create Another Button" if additional buttons need to be made.

Please note, do not mix shopping cart buttons using different currencies. A buyer may only add items denominated in the same currency as the first item added to the cart.

If you change your preferences to block non-primary currencies, you will need to update all your shopping cart buttons to your primary currency.

After creating an "Add to Cart" button, you can easily modify the button yourself by editing the HTML code. By making small changes to the HTML, the following can be altered:

Item Name
Price
Item Number
Banner URL
Return URL's associated with the button

Please note: You will need to be comfortable editing HTML code to perform some of the tasks outlined.

To edit any of this information:

Retrieve the HTML you cut and pasted onto your website
In the HTML code, find the variable you wish to edit

For a complete list of variables, please review the Website Payments Standard Integration Guide by following these steps:
Click the "Merchant Services" tab.
Click "Learn more" under the PayPal Website Payments Standard section.
Click "Website Payments Standard Integration Guide" under "More Information."
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