Thank you very much for your reply.
I have one more question.
Is it possible with the PayPal Express option that my customers will see this when decide to use PayPal?
http://imageshack.com/a/img673/1386/gJ95sK.jpg
I read somewhere that you can see this option Only when you use PayPal Standard, but that doesn't make sense. Is that the issue?
I have checked PayPal Account optional. Both in the plugin settings and also in the paypal test account.
Problem is I am using Sandbox to test and I cannot see the above option "Don't have a PayPal account?"
I see "Create a PayPal account".
Am I doing something wrong?