Hi Tami,
It sounds like you are using our stock Method portal & payment gateways to process payments from users. If this is the case, I will move this post over to our General Q&A forum where our support team will jump into the conversation.
I have a few questions to get us started -
1) Are you using Method:Classic?
2) Have you setup a PayPal Credit Card as the payment gateway?
3) Are you using the stock Method portal to process payments from users?