If you want to accept credit cards via PayPal you're going to lose 30 cents per transaction plus 2.9% of the transaction amount. The "customer" doesn't need a PayPal account.

Plus you need to have a PayPal premier or business account. You absolutely cannot do this with a "Personal" account. In fact, a personal account isn't actually good for anything anymore. Just forget they even exist.

Actually, I'm also pretty sure you'll have to set up some encrypted buttons for the txn amount which your "customers" will have to click on. Otherwise I don't think there is any way to just go to PayPal.com and send someone money from a credit card without a PayPal account.

I do this for a living. Trust me, take checks and forget about PayPal for this.