Why should a customer have to wait for their credit card statement, so as to send you 125 pounds!.
I could be wrong, but I have not heard of a PayPal Optional account. An email to PayPal should provide the correct information, if there is such an account, and how to set it up.
The easiest way to pay without opening an account is via NoChex.
Is this question to do with setting up a payment method on your website, or should the question be in the Helproom perhaps, for a better response?.