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Unfortunately I am not aware of a way to have someone add a product to a cart, then choose their payment method. As far as I know you would need to list the products separately. I'm sorry I don't have better news for you on that.
Do you know if there are any other merchant options availible that will be more sutiable?
For instance, enabling me to add the products on the site, customers puttin them into a shopping cart, and then just making a payment, without needing an account, or without having to setup seperate listing for one product?