title: Reference Transactions without Paypal Account
body: <p>For a new project I want to get rid of paypal subscriptions as users tend to subscribe multiple times and then dispute all payments.</p>
  
  <p>Instead I want to use reference transactions to bill the clients when necessary.</p>
  
  <p>Now with the regular checkout or subscriptions users didn't have to have a Paypal account to purchase. They could just enter credit card details and start the subscriptions.</p>
  
  <p>With reference transactions I can only see a paypal login page where a user gives permission for the reference transaction.</p>
  
  <p>Is there a way to enable reference transactions for users without a Paypal account that just have a credit card? Or is there something similar that could achieve this?</p>