I’ve been very happy with Paypal and have no complaints from customers. Rest assured you don’t need to create an account. My dad helped me get it all set it up and even spoke with Paypal in person to make sure it all worked.
When you checkout, it will take you to the Paypal site. When you get there be sure to click on the option that says: Don’t have a Paypal account? Please see the image below.
Cool! If I ever start a website I’ll definitely use your advice.