Paypal is the most popular payment clearing house for individual users who cannot and do not have credit cards and for merchants that have difficulty obtaining a merchant account.
Shopping cart integrates with paypal as a simple payment provider and as a gateway payment provider.
You do not need a merchant account to start using shoppiongcartdepot.com. All you need is a paypal account. You can still process payments real time and automated refunds in the same way as if you have a merchant account with shopping cart depot.
All you need is to generate your paypal API credentials and plug them in the shopping cart. Shoppingcartdepot takes care of the rest.
Paypal payment option as an alternative payment is also recommended to add to the shopping cart checkout process. It captures about 7% of online payments in the shopping cart.