Swappa uses PayPal for processing payments here on Swappa for a number of reasons related to seller protections, buyer protections, and their dispute resolution process.
When using PayPal, buyers are allowed a number of options of their payment source including most debit cards, credit cards, PayPal Credit, etc. Regardless of your payment source selection, you'll still be covered by PayPal's protections. Even if you don't sign up for a PayPal account.
For Swappa Local transactions, only the Swappa sale fee is paid at the point of checkout, and when a buyer and seller meet, the product is paid for in cash.
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