No, I am not talking about sandbox. I am referring to live. A long while ago maybe 3 or 4 years ago Paypal clearly has a credit card payment option ALONG with login to Paypal account to pay.
But recently I've see situations where it will only let you pay if you have an account. Now, I am not sure if this is something you set in your Paypal account or not and it could be possible it will differ depending on if you have Business account versus Personal account. But as I mentioned prior, best to contact Paypal to get this cleared up for you.