Before you can decide if you should use PayPal for your credit card processing needs first ask yourself - What is PayPal? Well in essence PayPal is a middleman enabling people or businesses to sell items on the web by providing credit card processing for a fee.
PayPal is able to set individuals up with the ability to accept credit card payments online with nothing more than a bank account and credit card. This is because PayPal is a private company and not a bank.