Payments by credit cards and PayPal

WildApricot integrates with PayPal for credit card processing (See: Payment settings)
This does not mean that people paying to you for donations, event registrations and membership need to have a PayPal account.
They can pay with a regular credit card - and would be presented with a Credit Card Form like this:

User can fill out the information and submit the payment without having to create any PayPal account. (If he does have an account, there is a link to use it)

Note: people who do have PayPal accounts (including you as administrator) would normally have PayPal cookies on their computer.
In this case they will see a different screen by default - to pay with their PayPal account:

( User can still select "Use your credit card or bank account (where available). Continue" link at the bottom left corner of the page and proceed with the payment without having to login or create an account.)