I just saw that someone has the same problem with the stripe payment plugin.
I also notice that the PayPal plugin is not optimized to allow payments without an account directly for users.
Normally a customer who does not have PayPal can still pay by selecting payment by card.
Here, as the plugin is not optimized, even having activated this possibility in my PayPal pro account, it is not seen on the payment page.
Not all customers have PayPal, this requires using another payment system in addition to PayPal.