Note:
PayPal may not show the card payment button (or guest checkout) due to risk-based security measures, browser cookies, or if the user is recognized as a returning Paypal customer.
To fix this: Log out of Paypal on the initial Payment screen, Clear cookies, or use an private/incognito window to trigger the guest payment option.
Common Reasons Card Option is Hidden:
Cookie Retention: If you have used PayPal before, cookies may prompt a login screen instead of showing the guest card optio..