You can just open a standard account and set up recurring payments in each membership level, see http://help.wildapricot.com/display/DOC/Recurring+payments. In our upcoming release you will be able to process credit cards directly on your site, in which case you will have to open a pro account.

Hello - thank you for explaining this.  i also have the same situation and our members do not want to be pushed into signing up for PayPal even if they've used it before.  i noticed that PayPal has two options (both of which have a set up fee & monthly fees):  PayFlow Pro and PayFlow Link.  this seems to be the only way to ...