Finally – someone from Paypal lists reasons that the credit card option is not always there… and a solution: Payment Pro

Tired of Paypal not showing the credit card option as the only option? Want to present you customers with a credit card screen and not a paypal one so they don’t have to sign up? Here are some reasons, explainations and … at the bottom a solution – Payments Pro – which is not free.

https://www.paypal-community.com/t5/About-Business-Archive/PayPal-forces-visitors-to-my-site-to-create-a-PayPal-account/td-p/696827

Other options are (unresearched)