diff --git a/make_post_sell/templates/cart_checkout.j2 b/make_post_sell/templates/cart_checkout.j2
index f9dbae1..3744ed5 100644
--- a/make_post_sell/templates/cart_checkout.j2
+++ b/make_post_sell/templates/cart_checkout.j2
@@ -54,6 +54,11 @@
     {% include "snippets/csrf.j2" %}
     <button type="submit" class="cart-checkout-button mps-button">Yes, Confirm Checkout with Active Credit Card</button>
   </form>
+  {% elif stripe_enabled and request.shop and request.shop.is_stripe_ready and cart.requires_payment %}
+  {# No card on file yet — give the buyer a prominent CTA on the right
+     column so Stripe stays visible alongside PayPal and crypto. /billing
+     adds the card; the buyer returns here to confirm checkout. #}
+  <a href="/billing" class="cart-checkout-button mps-button">Pay with Credit Card &mdash; Add Card</a>
   {% endif %}
 
   {# PayPal checkout button #}
@@ -86,7 +91,10 @@
   {% endif %}
 
   <div id="paypal-button-container"></div>
-  <script src="https://www.paypal.com/sdk/js?client-id={{ request.shop.paypal_client_id }}&currency=USD"></script>
+  {# disable-funding=paylater,card hides the secondary "Pay Later" and
+     "Debit or Credit Card" Smart Buttons so only the single yellow
+     PayPal button renders. Credit-card checkout flows through Stripe. #}
+  <script src="https://www.paypal.com/sdk/js?client-id={{ request.shop.paypal_client_id }}&currency=USD&disable-funding=paylater,card"></script>
   <script>
     // Store all order IDs for multi-shop support
     var allPayPalOrderIds = [];
diff --git a/make_post_sell/tests/test_functional.py b/make_post_sell/tests/test_functional.py
index 24dda7a..ee3c5f8 100644
--- a/make_post_sell/tests/test_functional.py
+++ b/make_post_sell/tests/test_functional.py
@@ -629,9 +629,13 @@ class AuthenticatedFunctionalTests(_AuthenticatedBase):
         # With multiple payment methods enabled (Stripe + PayPal), checkout
         # renders directly instead of redirecting to /billing for Stripe setup
         self.assertEqual(200, res_csrf_checkout.status_int)
-        self.assertIn(
-            "Please confirm your order.", res_csrf_checkout.body.decode()
-        )
+        checkout_body = res_csrf_checkout.body.decode()
+        self.assertIn("Please confirm your order.", checkout_body)
+        # Stripe stays a visible option on the right column even when the
+        # buyer has no card on file yet — otherwise the credit-card path
+        # is buried in the left panel and easy to miss next to PayPal /
+        # crypto CTAs.
+        self.assertIn("Pay with Credit Card", checkout_body)
 
     def test_cart_checkout_logic_with_none_stripe_user_shop(self):
         """Test the specific logic that was causing AttributeError in cart checkout.
@@ -1750,6 +1754,29 @@ class AuthenticatedFunctionalTests(_AuthenticatedBase):
         # Should fail with error
         self.assertIn(res.status_int, [400, 404, 500])
 
+    def test_paypal_smart_buttons_collapsed_to_one(self):
+        """PayPal SDK URL on cart_checkout disables paylater + card
+        funding so only the single yellow PayPal Smart Button renders.
+
+        Without disable-funding, the SDK renders three buttons: PayPal,
+        Pay Later, and Debit or Credit Card. Credit-card checkout flows
+        through Stripe in MPS — the bottom PayPal-branded card button
+        is redundant and confusing.
+
+        Template-level assertion: the SDK URL in cart_checkout.j2 carries
+        disable-funding=paylater,card. A full render test was flaky against
+        the test harness (transaction boundaries vs. session-cart fixture);
+        this single grep on the file is the smallest stable check.
+        """
+        import os
+        template_path = os.path.join(
+            os.path.dirname(__file__), "..", "templates", "cart_checkout.j2",
+        )
+        with open(template_path) as fh:
+            content = fh.read()
+        self.assertIn("paypal.com/sdk/js", content)
+        self.assertIn("disable-funding=paylater,card", content)
+
     @mock.patch("smtplib.SMTP")
     def test_shop_paypal_enabled_toggle(self, mock_smtp):
         """Test that shop PayPal can be enabled/disabled via settings."""