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If you want your users to pay using credit card directly on the form, you can use Paypal Pro, Stripe or Authorize.net, here's a guide to learn more about the payment integrations: https://www.jotform.com/help/323-Mastering-Payment-Form-Integrations-with-JotForm
However, I checked your form and you are using Paypal Standard Checkout in your payment integration, is that correct? Your users can actually pay using credit card even without a Paypal account.
In the Paypal payment gateway, you'll see that option, they are not required to join or signup an account to Paypal but payment will still be processed through here.
I hope that helps.