Question in regards to Payment module. Do clients have to create an account on the site to pay? Or can they just go to the cart after selecting what they want and enter their billing and shipping information?

Example: They select a product and then want to use PayPal to pay. Will they have to login on my site first or(Create an account) before getting to the part where they can pay with PayPal?

If it is required to create a login, can that be switched off?

Thanks
Ted W