True but it will require a major re-write of my web site, the use of a separate shopping cart software, find a way to move money from google to PayPal (we use PayPal as a checking account too) and upgrading to PayPal Payments Pro at $20 a month. PayPal Payments Standard does not integrate with external shopping cart software, you use PayPal form code and they provide the shopping cart.
I expect many small web stores are in the same boat I am in.
I remember that not too long ago PayPal required customers to sign up for accounts too. I expect google will change their ways before too long.