Hello,
Okay, well here's my update. So far, I seem to have everything working. I did a test order and everything went through and billed appropriately. I have both the PAYPAL IPN & PAYPAL EXPRESS CHECKOUT modules active. Between a couple of calls to Paypal and some of the advice given in this thread, we managed to work it out.
One, I applied for the PAYPAL API SIGNATURE through my Paypal business account profile. That was fairly easy and took very little time to do. Just follow the instructions that are in the admin>shipping area and do what it says to do with the credentials. Plus, follow the instructions given here by the Dr. on how to set up the PDT. That was actually also simple. All of this was simple to do once everything started to make sense.
I discovered that the main reason I was having problems with the billing was because my Credit Card module was turned on and was set to a lower Sort Order number so it was coming up as first choice for payment and actively overriding my Paypal Options. Since I didn't apply for the Paypal Payment Pro the Credit Card function would not work on the site... I was under the belief that having it on allowed for the Paypal function to work --- I was wrong and it did the exact opposite. Once I turned it off and installed the Paypal Express Checkout patch, it would beautifully...
Hopefully this helps and thanks to all who offered their assistance...
Cheers