Paypal is our Credit Card Processor. If you do not have a Paypal account just continue as directed. YOU ARE NOT JOINING PAYPAl,  or opening an account when completing this application.  They are only gathering secure data to certify the authorized use of the credit card. Paypal is the largest and most secure online payment processor in the world. We accept worldwide payment thru Paypal. For those not familiar with Paypal, it is owned by Ebay and the only credit card processor accepted at Ebay. If you would like to order direct from our customer service, just call the 800# listed on the Contact Us Page