You don’t need a paypal account to complete the order. You can simply use your credit card, Paypal will just do the transaction (that gives you more protection). This is how it works:
For new buyers, signing up for a PayPal account is now optional. This means your customers can complete their payments first, and then decide whether to save their information in a PayPal account for future purchases. The checkout is more convenient, resulting in more completed sales and satisfied customers.
Customers enter their name and shipping address. They’re prompted for their credit card, email address, and phone number. (Optional) After reviewing their information, they may choose to save their information by creating a PayPal account to make future transactions faster.