Basically the games I was trying to buy were NSFW ones, and apparently direct payment via credit cards are disabled for those.
So I think I have my answer.
I'll probably just have to make an alternate Pay-Pal that only has my personal card on it and not any of the business stuff.
Regardless, the other guy more or less answered the question. I didn't know that some games had a direct card payment and others were Pay-Pal only.