There is nothing I will be able to tell you in a phone call that I haven't already said here.
Being able to checkout without a paypal account is controlled by the "PayPal Account Optional" setting in your payapl account control panel.
This cannot be controlled by the cart php script, It must be set in the paypal business account settings.
through google I found the following information:
The account optional setting is only available in the following countries:
# Hong Kong
# United Kingdom
# United States
There are reports of other people having a problem with the pay by credit cared form not showing due to paypal cookies. Try clearing your cookies before testing.
In this thread:
the second to last post says: