You can do non-reoccurring payments with paypal, and it does not require you to establish a paypal account (accept their tos and other agreements). It just means you have to manually renew the account when it comes up for expiration. I will point out that I have had a personal paypal account for over 6 years, and have never had a single issue. I think the arbitration agreement is pretty standard for Terms of Services with large corporations.