Paypal pro offers both merchant and gateway. And they do allow you to take payments both off your website, as well as they offer you a virtual terminal (ie. you log into paypals website, click on virtual terminal and you enter in credit card information). The virtual terminal aspect would work for phone orders, as well as if you take credit card info at a show and then want to enter it at the office.
Paypal Standard if I remember correctly (I use Paypal Pro) does the same things, however on your website when customers pay it takes them to paypals website to enter information. Where as Pro they enter the information from your site.
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