If you use paypal as your payment processor, your customers don't need a paypal account. They can pay directly with credit card without signing up for Paypal.

If you use paypal as your payment processor, your customers don't need a paypal account. They can pay directly with credit card without signing up for Paypal. I don't think anyone using Paypal thinks it's a cheaper solution, but it's probably the easiest and quickest integration solution.