Earlier quoted context omitted.
You don't need a paypal account to pay by credit card via paypal. Select "Pay by Debit or Credit Card" when it asks you to login to paypal.
That option is enabled or disabled by the user. Pine has (still) not enabled it: https://i.imgur.com/Y1OhCkX.png In case anyone from pine is watching, here's the doc on how to do it: https://developer.paypal.com/docs/integration/direct/payment... It's like....5 clicks.
EDIT: it is indeed gated by some vague heuristics[1].
>Buyers don't always have the option to complete their purchases without using or creating a PayPal account. This option is presented based on several risk factors, including but not limited to the buyer's PayPal purchase history, PayPal cookies stored on the buyer's computer, the buyer's location, or a credit assessment.
[1] https://www.paypal.com/uk/smarthelp/article/how-do-i-accept-...