Our Express Checkout uses a PayPal Checkout where buyers can pay by credit or debit card, or with their PayPal account. As the payment part of the Express Checkout is controlled by PayPal, buyers don't always have the option to complete their purchases without using or creating a PayPal account. This option is presented based on several risk factors, including but not limited to the buyer's PayPal purchase history, PayPal cookies stored on the buyer's computer, the buyer's location, or a credit assessment.