It sounds to me like you have selected to create checkout pages fpor Paypal Payments pro.
using paypal payments pro allows you to process payments through the paypal express checkout, and to except credit cards on your site using paypal direct payments. this is where the Pay by Credit Card option comes from.
Express checkout does not need to use SSL, but Direct payment does,
to transfer to the ssl server edit the eCart Checkout button server behavior on the cart page and set the path to the checkout page to the full htpps url.
the supported gateways are:
# Remote payment gateway support
* PayPal Website Payments Standard (US and UK)
* Sage Pay
# Local payment gateway support
* Authorize.Net AIM
* LinkPoint by Fist Data
* PayPal Website Payments Pro
* PayFlow Pro