Account Basics
Do I need a PayPal account to pay my seller?
No. For eBay items, you can purchase with a credit card for a limited number of times. If you would like to sign up for a PayPal account, you can do so at the end of the checkout process.
For website payments, if your seller has the PayPal Account Optional feature turned on, creating a PayPal account is not required to complete a purchase.
Note: The PayPal Account Optional feature is available only to Business and Premier account holders.
*JMHO* - to be taken with a grain of salt!