Cant enable woocommerce checkout without a PayPal account?


I have weird thing going on and need your advice.
I have setup a woocommerce on client’s website with Paypal chekout. The client Paypal account is Business and she has changed the settings “Paypal Account Optional” - on.

But the checkout still forces to create Paypal account without simple credit card checkout. Why?? What could be possible wrong here? Thank you!