8 – During checkout, why is the customer skipping the payment step?

I have a situation during the checkout process where the customer is skipping the payment and moved directly to the fulfillment state. I’m using the Commerce PayPal module.

Here’s my checkout flow:

My checkout flow config

What’s odd is the PayPal buttons display when I’m logged in as Admin, but not when non-admin:

My payment option screen

I haven’t found an option that looks relevant on the permissions screen, nor have I found a configuration option anywhere.

The order type is configured to use the correct checkout flow (Default).