Give Users "Optional" PayPal Acccount during signup

paypal_pro plugin?

where does one acquire that? my installation only has paypal_r option...

Different screens for different users?

This form looks closest to my issue so let me describe it here. Everyone is familar with "Pay Pal Standard" with it's login-to-paypal form and link at the bottom to pay with CC. Lets call this screen A.

Screen B would be the next screen after you press the link to pay with CC and you are given the input form for the CC info. I have some users who get screen A but another who is taken directly to screen B.

Screen B still has a radio button that says "pay with CC: no pay pal account (or something to that effect) however when the user tries this button and fills in his CC info, Pay Pal still acts like it wants him to login with a Pay Pal password. Errors start popping up, he ends up canceling the session and bailing out. Has anyone seen this and know what the solution is??? I'm using the paypal_r plugin if that is of any use.