Do I really have to create a PayPal account ?

In theory, you do not - but we strongly recommend you do.

PayPal states that they accept credit cards, but as soon as their system detects the slightest security risk, they will block the credit card transaction in the same way that any bank would do. 

Some of the triggers that block these transactions  on PayPal include your country location, the computer you are using, and possibly the connection you are using too. As PayPal does not give further information on it would be impossible to know the exact triggers.

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