I have been studying this thread.
I made myself a $.01 product and began shopping from myself using non-Paypal cards/emails.
I had BOTH IPN and EXPRESS installed. I actually hade ZC credit card grabber installed too, I tried to learn what it did (it gathered partial info- then emailed me the missing numbers so if I had a terminal CC machine I could use it).
With IPN
I saw the little tiny link that said "continue without setting up a paypal account", when purchasing stuff as a logged in customer on my site.
With Express
So, "not logged in" customer selects "CHECKOUT WITH PAYPAL" this is Express, they are required to get a PP acct eventhough I made it "optional" via Paypal!
So, I removed Express from the payment modules and left only IPN and did it again:
Not logged in customer adds to cart, "Paypal CHECKOUT" button is NOT there...
they are forced to create an account on MY site...
they create an account or login....
then they can choose either check/MO or Paypal IPN....
Then they click checkout, THEN they can find the little words that say
DONT HAVE A PAYPAL ACCOUNT? USE YOUR CREDIT CARD OR BANK ACCOUNT, CONTINUE...
Then they enter their info, and may use any credit card not attached to a Paypal account.
Can we make it easier? Can strangers make a shopping cart and enter their info just once with Paypal IPN?