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That's not what I found.  I went to make a payment, clicked the correct button, and at the end of the page, the last fields expected me to fill in an email and a password.

If PayPal should take credit cards without requiring an account, tell me how to do it.  Please.

I tried that... and it lit up like a red traffic light.

Besides that, the last section with bottom two fields is headed "Create Your PayPal Account."

So, to review, I clicked on the singular button for $14.95/mo for Unlimited Ad-Free credits.
Filled in the Credit/Debit card fields, and the Billing & Shipping fields, and left the "Create a PayPal account" fields blank.
Did not tick the "Please create my PayPal account now..."
And, clicked the button at the bottom that says "Create Account and Subscribe."

And, the last two fields lit up red!

No.  I just realized why I'm having trouble.  You all might want to make a note of this...

A couple of months back, my sponsor and I created a PayPal account with that Debit card #.
PayPal might just be recognizing the debit card number, because we recently created an account with that number.
I haven't tried it yet, but I think that's been the trouble.
And actually, this is the kind of trouble people have... when we don't write down, or lose account information like this...

Good to know.

What was the total and plan you were ordering?
I can send maybe a one time payment link/invoice.

Sent over an email with one-time link. thanks

Yes will set it up.