Before I purchase the PayPal Pro plugins, I want to make sure I can use it. Do I have to have the pro service from PayPal (where I pay a monthly fee) or can I use my standard business account? Do I just need to have the API username, password, and signature? I already have those with my standard account and am hoping that is all I need to use the pro plugins so I can accept credit cards directly and not require a paypal login for my users.