We use PayPal to process our credit card payments. You DO NOT have to be a member of PayPal to take advantage of this service. In this case, PayPal simply functions as an Internet source for the MRHTS, Inc. to accept credit card purchases. While you do not have to be a member, do not be surprised if they offer you the opportunity to sign up. Please remember, YOU DO NOT HAVE TO. If you are a member they will give you an opportunity, as a courtesy, to pay through your PayPal account if you wish to do so.