> Going with a merchant account probably wont save you money, but it does increase your purchase rate since many people may not have a paypal account and don't want to deal with getting one.
You don't need a PayPal account to pay with PayPal.
With PayPal PayFlow Pro you can set up PayPal so that the customer never even sees a PayPal logo. They just go through the payment process as if you had a regular merchant set-up.
... Except you do need to have a regular merchant set up. PayFlow is just a gateway like any other (Authorize.net, Braintree, etc).
One difference is that they now require you to accept PayPal to get the lowest rates. One of my clients is going through that now, if it's not up by the end of July their rates go up.
You don't need a PayPal account to pay with PayPal.