Is there a way to sell both products and subscriptions using PayPal integration?

Hello! My customer wants me to develop a form where folks can sign up for classes he offers that will give users the choice of paying a lump sum for a single session or a month's worth of sessions, or being charged monthly for six or twelve months of classes. I set this up using the PayPal integration tool, utilizing the "Subscription" option. And it worked - yay! 

However, if the "Subscription" option is used, PayPal will only accept payments from folks who have PayPal accounts - and my customer wants people to be able to pay via credit or debit cards and he doesn't want to pay the extra thirty bucks a month for a PayPal Pro account (he's a non-profit). The only way around this that I can see would be to have two payment tools in the form - one for the lump sum payments where people can pay by credit or debit card and another for the subscription service with a "You gotta have a PayPal account" disclaimer. But JotForm will only allow one payment tool in a form. 

Does anyone have any ideas how I can resolve this? I've been banging my head on this for days now and I'm getting awfully confused... 

Yes, our forms cannot accept more than one Paypal tool:

Anyways, if you have two payment tools, I think you could use a second form this way:

1. Make the 2 forms: One to accept debit/credit cards, the other one to accept paypal.

2. On the 1st form using conditionals - Change Thank You URL option

3. Paste the the direct link of the second form in the conditions wizard for the first form.

So, whenever the user choose "Pay with CCl" the form will be redirected to the second form where this can be done.

IMPORTANT:

I am wondering what is the other payment tool you are trying to use to accept credit cards? I ask you this, because we do not allow users to collect CC info on plain text fields. If you try this, the system will suspend your account automatically, so if that is the case, then you have no other options than using Paypal Pro.

Thank you for your answer! 

When I mentioned a second payment tool I was merely hoping to have two PayPals in one form... I have a feeling I'll be talking to my customer and seeing how he wants to handle the issue.