Do customers have to be GoldMoney account holders?

Do customers have to be GoldMoney account holders?
I did a test on my personal GoldMoney account to see how a request for payment looked to the customer. The payee has to open a GoldMoney account and then buy some gold. This takes ages to go through (hours).
While I appreciate that you want to get as many new account holders as possible, not everyone I request money from will want to open a GoldMoney account.
I therefore would like to see an option for a payee to pay by credit/debit card and have the proceeds go into my GoldMoney account. Much slicker than the current setup.

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