The only options showing up in my admin are these:
Payments Advanced (Includes Express Checkout) Payments Pro (Includes Express Checkout) Payments Standard (Includes Express Checkout)
I see screenshots from other admins where the (Includes Express Checkout) does not appear after Payments Standard. I'm using v18.104.22.168 which is currently the latest version of Magento CE.
The issue is that if I select "Payments Standard (Includes Express Checkout)" I'm required to put in API credentials which I don't have (I don't want to upgrade my PayPal account, I just want the most basic payment option).
So, I'm trying to figure out how to get rid of the Express Checkout option, or at the very least find a way to use only Payments Standard.
Any help would be appreciated. I can't find any other people in the forums having this issue so I'm wondering if it's new to v22.214.171.124 or something.