You CAN use a Credit or Debit Card to pay through PayPal, without having a PayPal account.
Here are two views of what the link on PayPal to complete the sale may look like:
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“The kingdom of heaven is like unto a merchant seeking goodly pearls, who, when he found one pearl of great price, went and sold all that he had, and bought it.”
Matthew 13:45-46 KJV