Cognito-forms – How to make the PayPal account have the features of a credit card processor and not just a PayPal button

You can't transfer money from a credit card to PayPal. However, you can add your credit card as a money source to fund purchases through PayPal. Your credit card number will not be given to the merchant, the charge will come from PayPal, so your card is still secure from online fraudsters.

To link a credit card as a funds source, go to My Account / Profile / Add or Edit Credit Card.

There is no way to change the last name directly.

PayPal is very specific about you owning the card since on-line credit card fraud is quite a big problem. Since this information is passed to the bank when purchasing, they do verify each transaction.

You could take a chance and load it anyway, and check if it will work that way. Since it's only the last name that will differ some banks ignore it since it may be a case of someone changing their last name or getting married for example. I know this is the case with some on-line payment system I have implemented in the past.