No. We have three payment processors that you can use: PayPal, 2Checkout and Stripe. 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, 2Checkout or Stripe to do this.
With Stripe we use a direct checkout method where your customers never leave your site, we can now offer this because we also offer free secure certificates and there is no reason not to enable SSL on your IndieMade site with whatever processor you choose.
Like all payment processors they 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.