You can still checkout with a credit or debit card using the PayPal option... you don't need to use or sign up for a PayPal account. First, sign into your FileFactory plan and select an offer from this page.
Then, follow the steps below.
1) Click the PayPal icon at the checkout, then click "Pay with Debit or Credit Card" under the login section.
2) Enter your payment details and click "Pay Now". That's it!