You do NOT have to have a Pay Pal account to pay for the event.
"Click" on the Pay Pal links until you get to the last page where it will let you use your Pay Pal account, if you want to, or use another credit card.
As a matter of policy, NO refunds will be issued after a team entry has been paid. Teams withdrawing from events, may be entitled to a credit (in the amount paid) for future team events.