When a website uses a Paypal subscription in the place of merchant billing, does the buyer have to have a paypal account to purchase the item? For example, if I have an SEO firm and decide to bill through paypal subscription service, when a new client wants to sign up, do they simply have to enter their credit card details or do they have to sign up to paypal or have an existing account? I am trying to weigh the pro's and con's of using paypal or a merchant account and this seems to be the only potential drawback of having a paypal subscription to process payments... I am asking this question relating to Australian payment processing. So if the features are available for US Paypal but not Australia then that isn't very helpful for me. Any help would be greatly appreciated, Thanks!