No, you do not have to use PayPal. To purchase downloadable tracks you can now either use the Major Credit Card option or the PayPal option to pay for them. If you want downloadable tracks but cannot process your payment via a credit card, you can send a check or money order and email us to request a download link.
Keep in mind that the PayPal payment gateway allows you to pay with a credit card without using a PayPal account--just any major credit card and you're done.
Both options use proven, secure method for online payment and provides PCI DSS compliant processing for your credit card. That's geek speak for "they protect your number, man"!