Using pro forms without paypal business

I created my subscription levels with pro forms i was told that pro-forms can work without having Paypal Pro and I have paypal business but when trying to process a payment with a credit card (visa) i get this error
Error #10548. Invalid Configuration. This transaction cannot be processed. The merchant’s account is not able to process transactions

This seems to indicate that it cannot be processed.
I want to have the option to allow users to use not just PayPal but also process card payments with at least a Visa card.