Membership paypal

Using paypal.. We want the ability to take both recurring and one time payments..

Spoke to paypal and they said that you can take one time payments without the user having a paypal account.. For recurring user must have paypal account.

Membership does not seem to give our new sign ups the ability to proceed without a paypal account.

So is there a practical way to allow a new user to make a one time payment (credit card to paypal)without being forced to sign up for a paypal account ?

Could this be related to the API info paypal stepped us through getting …Membership only provides a place to place your email address associated with your paypal account,did not see anywhere to put API info…?