You have to use one of those three payment processors but at least for Paypal you don't have to have an account. Just click the paypal link, choose the no account/pay with credit card option and go that way.
And they just passed $3 Million, with almost 11 days left. It seems to be slowing down but on pace to be the best selling Humble Bundle ever. it's already the second best, best was around 5 million and change