While testing the direct payment with credit card I always get the following error: "You cannot use an e-mail address or card number that belongs to an existing PayPal account. If you have a PayPal account, please log in. If you don't, please change the e-mail address or card number and try again". The credit cards number I use for testing come from http://www.paypalobjects.com/en_US/vhelp/paypalmanager_help/credit_card_numbers.htm but I also tried those produced by http://www.getcreditcardnumbers.com/.