Tira here, from Shopify.
Thanks for letting the community and I know what payment methods you’re using. By default, Shopify Payments enables your customers to checkout with their credit card, and with PayPal Express which enables your customers to use their PayPal account to pay for products, or use a credit card. As @JHKCreate mentioned, are you able to share a screenshot or a link to where you’re not seeing this option? Here’s a screenshot from my test store that shows what this should look like:
Are you or your customers seeing the same? Or do you see something different?