Checkout adjustments for eshop word-press site potential ongoing work

Our site currently has payment options for pay pal and direct bank transfer. Our paypal account is setup to also handle credit card transactions, but our customers are finding the current system confusing. Is it possible to modify the current system to have three options. One for pay-pal, one for credit card via pay-pal, and one for direct bank tranfer. we would like the credit card option to link directly to the pay-pal guest account setting so that the user is not confused by the pay-pal front page that asks for them to log into their account. If this is not possible then we would be open to other solutions. Any other suggestions on how we could increase our conversion rate would also be welcome. Successful applicant wil be likely to receive ongoing work from us if the initial job is completely satisfactorily.