Hello - thank you for explaining this.  i also have the same situation and our members do not want to be pushed into signing up for PayPal even if they've used it before.  i noticed that PayPal has two options (both of which have a set up fee & monthly fees):  PayFlow Pro and PayFlow Link.  this seems to be the only way to ensure that online customers aren't forced to sign up for PayPal or use their already existing PayPal account.  PayFlow Pro allows the customer to make the purchase on the business website and stay there and PayFlow Link takes them to PayPal but gives them the option to just pay directly with their own credit card and then return the business site.  smart cookies - those PayPal folks - i didn't realize this when i signed up for both Wild Apricot and PayPal so we have to figure out another solution.