No, you don't need a PayPal account to pay with your credit or debit cards. While you are using Paypal checkout, you will be able to find an option for credit card payment such as "Pay with a card". Please click the option and follow the steps. Please note that some countries don't have the card option due to PayPal policy.
In this case, you may need to open a PayPal account to complete your order or use other payment methods we offer. Please check the payment option info here.
https://newstylish.com/article/faq/3/149/
If you don't prefer PayPal, you can choose other payment options from the beginning.
