This is just not correct. Be sure you are a free business account.
https://docs.zen-cart.com/user/payme...s_credit_card/
Specific steps at https://myzencarthost.com/index.php?...ebase/6/PayPal
Not a single customer who has a business account and the settings above has this problem.
Business Account
PayPal Express
Proper Settings
Bookmarks