Why my paypal only has the choice to asks customers to log in or create an account?

I have created a form and would love to upgrade to the plan to silver. However I noticed that once the customer is ready to pay via my order form, the paypal only has the option to log in or create a new paypal account.

Many of our customers in NZ do not have Paypal and less likely to sign up, I need them to be able to have the choice of paying via credit card (without the need to sing-up) or log-in (or sign up) to paypal. 

It seems you're using the PayPal Standard Integration. You may try using the PayPal Checkout or the PayPal Pro Integration so that you would have an option to use Credit Card.

Please give it a try and let us know if you need further assistance.