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XOR uses PayPal as our safe and secure payment gateway, for processing your XOR order. You need not be a PayPal member, nor need a PayPal credit card, to make PayPal payments.  Instead, you can pay as guest, using any major credit card. When you click on the PayPal button on the Checkout page, you will then be redirected to PayPal’s secure Payment Processing Website. PayPal provides several options for you, including Pay Now or Pay Later.