you PayPal answer does seems to have conflicting information!
Hoping not to upset you - but the optional payment thing is really well hidden IMO,
here's the steps to I have to do to find it on mine - thinking perhaps you just haven't gotten deep enough to the settings
1. after you log into your PayPal account Select your PROFILE (in the top header line)
2. Select Profile and Settings
3. Select My Selling Tools - find Website Preferences - click update
then on the Website Preferences page - scroll to the PayPal Account Optional settings (it is a ways down)
Be sure the ON button is on.
If you're sure you don't see that option in your account - you do have a business account - right? then that seems the question to ask PayPal - why is your PayPal Account Option Settings missing.
I looked at mine again from a checkout standpoint and it looks like most countries are there - I don't know your country, but India seems to have some "restrictions" sometimes, but it shows up on my Other Options to pay just fine.
Sorry I don't have a specific fix for you that is easy.
Lee