They can pay by credit card but they must agree to sign up for a PayPal account before completing their transactions and making their payments. You might want to disable PayPal account optional if you already accept credit card payments through a different payment processor and you implement a PayPal solution that lets PayPal account holders

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PayPal can’t add your credit card – Documentation - Yet

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It seems the paypal can be added, however, it will not allow the account to purchase items in the US store when the card/paypal account is UK. I would recommend updating the profile billing information as well to make sure it matches the paypal/bank account. Here is a link on how to Add, update, or remove credit cards and other ways to pay

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