I forgot that the new plugin is both Pro AND Express. We do not have a Pro account so we do not take credit cards directly. I set up the plugin to accept them so I appear to be mistaken in that regard. We have to go the PayPal site to enter and use CCs. I was able to verify a new order and refund it completely.

And no, I do not like how PP responds overall. It now FORCES you to create a PP account. But this particular site does not have a huge amount of traffic right now and we cannot pay monthly fees for PP Pro so this is just how it has to go.