Hi, I'm Robert and I'll be helping you with your computer question.
the cards not being in your name would probably be an issue
i am not sure what website you are trying to pay.
It should not go to paypal unless you select paypal. you might look closely to see if it is just suggesting that or if paypal was an option that you put in
paypal is a very good option for paying a variety of online things because paypal is the only one that sees your credit cards. They pay the vender and then bill your credit cards or bank account as you prefer. But it makes it alot easier on the venders and you don't have to verify the cards every time or put in the numbers over and over and the vender never gets to see your card information.