We have the ability through PayPal to make it so users are not required to have a PayPal account. I had it set up this way as an option, for non-recurring/no trial payments. However, since I started using Pro Forms it is requiring a PayPal account. Here's my shortcode:
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[s2Member-Pro-PayPal-Form level="3" ccaps="" desc="RG Membership $20.00 USD / One Time ( for 1 year access, non-recurring )" ps="paypal" lc="" cc="USD" dg="0" ns="1" custom="roadguardians.org" ta="0" tp="0" tt="D" ra="20.00" rp="1" rt="Y" rr="0" rrt="" rra="2" accept="paypal,visa,mastercard,amex,discover,maestro,solo" accept_via_paypal="paypal" coupon="" accept_coupons="0" default_country_code="" captcha="0" /]
I verified in my PayPal settings that the "PayPal Account Optional" is set to On. What do ya think?