Although the payment process asks you to 'Check out with PayPal' you DON'T need to have a PayPal account (though you can pay that way if you want to).
To make a credit card payment:
1. Choose your product(s) from the e-store
2. Click on 'Go to checkout'
3. Click on 'Check out with PayPal'
4. Complete your credit card details as usual on the next screen.
PayPal is effectively the bank that will process your credit/debit card payment, just like any other bank would.