Cumeaternc offers numerous valid suggestions.
Mgr explained that PayPal allows credit cards to be used without creating an account in Germany/DE.
In the US, I know that PayPal also allows a credit card to be used without a PayPal account. To "connect" PayPal with a direct debit FROM a checking or saving account DOES require an account.
I consider PayPal extremely secure and have had an account with them for many years. I have it connected to both my credit card and my checking account – yet I keep my balance with them at zero.
But to each, their own decision.