Paypal IPN v1.3.6 No Credit Card Option

Hello,
Does version 1.3.6 require the Paypal IPN patch? If so, which version would apply?

The cart will not offer the option of credit cards though the Paypal account is set up to Paypal account optional.
No mods have been added to the cart.

Thanks for the help.

The PayPal Patch for v1.3.7 is ONLY for v1.3.7 ...

That's what I thought.
I am trying to upload a zip of screen shots of the step 2 and step 3 pages, but I am getting an upload error.

Paypal IPN purchases are live and successful but no option on the credit cards. Any ideas?

Many thanks for the help.

Here is a zip of the step 2 & 3 pages.

If you are only working with PayPal in order to accept credit cards, then when your customer is redirected to the PayPal site after clicking Confirm on the Checkout Confirmation screen, at that point, they'll be offered the option to pay via Credit Card.

If you want to accept credit cards directly on your website, you will need to sign up with a credit card processing gateway. You'll find some recommended Zen Cart-friendly partners on the "Partners" link at the top of this page.