If you want to have a Premier or Business Verified PayPal account, you will need to add a bank account or credit card. I would personally never do "business" with any business using a personal PayPal account to accept payments..

If you do not want to accept credit card payments directly on your website using a merchant account, then you will have to settle for third party payment processors like PayPal, 2CO, AlertPay, Moneybookers, ect.., that's all there is to it.