PayPal offers several merchant programs, but not all comply with the requirements above.
What we discovered is that only “PayPal Payments Pro” and “PayPal Payflow Pro” can work as above but these two are not available in all countries: https://developer.paypal.com/docs/classic/howto_product_matrix/
Also, PayPal Payments Pro requires an ongoing flat fee and the commission are not particularly lower than with others: $30 per month, plus 2.9% + $0.30 per transaction. Payflow Pro ($99 setup, $25 per month, plus $.10 per transaction) is for use with your merchant account from another bank or processor. Transaction fees charged by your merchant account provider would still apply. If you need a merchant account, you need to take PayPal Payments Pro offerings.(*)
In case you are keen on using PayPal Payments Pro or PayPal Payflow Pro, we could do something about it, on call. But there is nothing good we can do for Pay-with-PayPal or PayPal standard accounts.
Anyway, Stripe is simpler, has similar commissions and you get approved within hours… so why complicate with PayPal these days?
(*) As per official PayPal site, 2015. Updates may occur.