I was attempting to renew my membership with the TC Club. The instructions explicitly state that a Paypal account is not required. However, in the checkout flow, Paypal was forcing me to create an account. It would not let me continue without creating a password and agreeing to Paypal terms. Is this something in how you've set-up the checkout? I've purchased from many other vendors using my credit card and have not been forced to create a Paypal account. I am very interested in renewing, but do not want to create a Paypal account.