Clay you are correct that you don't need a PayPal account to pay with PayPal.there is 2 ways one is to send the individual an invoice to there email and the other which is how you would want to do it is set it up like a cart and when paying it will ask you to log in to your PayPal account or pay as guest.I have no PayPal account but pay people almost weekly through PayPal I just pick pay as guest and input my card number.
I'm a night owl so if you need anyone to stay after and help take out garbage,clean the glass on the machines or anything else just say the word.