No. We have two payment processors that you can use: PayPal and 2Checkout. Your customers can pay for your products with their credit cards, with transfers from their bank accounts, or from their PayPal balances. They don't need accounts with PayPal or 2Checkout to do this.
Like all payment processors, both PayPal and 2Checkout take a small percentage of your sales. But IndieMade doesn't take anything -- the only payments you make to IndieMade are your monthly subscription payments.