@Janus, you might need a PayPal pro or Business account to get credit card processing ability. Upgrades to PayPal pro or Business account is free I believe.
The following URL explains what your buyers should see when you have credit card processing ability for your PayPal’s merchant account:
http://www.tipsandtricks-hq.com/ecommerce/wordpress-ecommerce-knowledgebase-523#paypal_credit_cart