PayPal accounts explained
PayPal accounts are either Personal or Business.
If you have a PayPal Personal account, then your customers will have to also have a PayPal account to be able to pay. PayPal Personal accounts are free to setup and use.
If you have a PayPal Business account, then you can accept payments by credit card without your customers having to have a PayPal account. The Business accounts are either Website Payments Standard (free) or Website Payments Pro (you have to pay a subscription). Either will work.
For your customers to pay without signing up to PayPal, they must click on the 'Pay with a debit or credit card' link/section at the bottom of the PayPal payment page. The page looks like this: