@MrDoru, Your buyers who doesn’t have a paypal account will see the credit card payment option when they click the checkout button and go to PayPal.
When you are testing it out on your computer PayPal knows that you have a PayPal account (from the cookies) so it’s not displaying the credit card option. It doesn’t mean your buyers won’t see it.
This link explains this in details:
I have deleted your other forum post as that’s exactly the same as this one.