Paypal checkout button with option to checkout without paypal account

I have created Paypal checkout button but it is always asking to create paypal account for users.

What i want is to offer checkout button with option to checkout without creating paypal account.

Code is:

<form name="payp" action="" method="post"> 
<input type="hidden" name="amount" value="250">
    <input type="hidden" name="quantity" value="1">
    <input type="hidden" name="item_name" value="XXX">
    <input type="hidden" name="business" value="XXXXXX"> 
    <input type="hidden" name="lc" value="US">
    <input type="hidden" name="cmd" value="_xclick">
    <input type="hidden" name="currency_code" value="USD"> 
    <input type="image" name="Buy Now" border="0" src="XXXX" alt="PayPal - The safer, easier way to pay online"> <img alt="" border="0" width="1" height="1" src="" > 

with [paypal’s website payments standard](’s website payments standard) the shopper will have the option to

  1. use their existing paypal account

  2. create a new paypal account and then use it to make the payment

  3. use their credit card to make their payment

3rd option is not appearing…this is my problem.