If you want to buy products but want to pay by credit or debit card you can! Most of my transactions are by Paypal but you don't have to have a Paypal account to buy my products.
At checkout you will be given the option to pay using your Paypal account or to create an account if you don't have one already.
To pay by credit or debit card just select the 'create an account' at checkout. Enter your card details and then just opt out of creating an account.
I am sorry that it is a little unclear.