I do not have a PayPal account. Can I still use PayPal gateway to pay?

Yes, you can. Kindly follow the below steps:

1. Login to www.smergers.com with your registered email id

2. Visit the url: https://www.smergers.com/dashboard/?payment=failure

3. Click on the button "Intl - PayPal" as shown in the below picture:

4. This will load a new page as shown below. Click on the button "Pay with Credit or Debit Card" as shown below

5. Please select your country, enter card details and proceed to pay.