I am facing same problem, and it seems to be a statistic one. First I set up a sandbox account I created under my paypal account. Everything fine. Then I use clients paypal account –> no credit card option on paypal login page. Then I switch to my personal live paypal –> credit card option on login (though I did not configure IPN or return URL in that paypal acocunt). I switch back to client paypal user, no credit card on login for the first day. Another day I tried the same using Macbook Pro in other place, credit card option appeared (client also uses a mac and had no luck). … Would be nice, just to remove the hint, that standard module enables you to receive credit-card-payment, that holds at least not true for many people.