Hi Lloyd,
If you would like to offer the ability to checkout using Cash or Check as well as processing transactions through PayPal with a credit card or PayPal account, you should select the Manual gateway option and select the Cash and Check payment methods, then enable the "Show PayPal Checkout Option feature. This will allow your user to checkout using cash or check, or choosing to process the transaction through PayPal using a credit card or their PayPal account.
Thanks,