Merchant Services

Merchant Services

We are looking to Zoho as a possible solution for the database needs of a small cell phone repair company.  One of our needs is Merchant Services.  We understand that Zoho added a Paypal option a year ago.  Does the customer have to have a Paypal account?  Or will he or she be able to pay using an American Express?  Please let us know.
 
Thank you,
Tom