I have read the express vs standard topics on here so often but do think at this point that WA have it wrong.
Website Payments Standard enables you to accept online payments from customers with -- or without -- PayPal accounts.
- Accept all major credit/debit cards (Visa, MasterCard, American Express, and Discover), eChecks, bank transfers, and PayPal accounts.
- Easily create payment buttons (like Buy Now and Add to Cart) for your websites with PayPal tools. You design the button features, and the tools generate all the HTML code for you.
No. They can pay with their credit/debit card (Visa, MasterCard, American Express, and Discover) — all without having a PayPal account.
Express the customer does not need an account but will be created on if they havent got one. Standard they do not have to hae one and will NOT be created one.
Customer can pay with credit/debit with no Paypal account needed or created. The link will give you the details.
Standard is also free. I have had clients who refuse to require their clients to have a paypal account so express is not an option. Standard is the only viable one as for Pro the monthly fee is offputting.
I hope this helps to clarify a few things.