Do I have to create a user account with Pay.gov?

“No. For payment via credit/debit card or ACH transfer, eCO will forward you directly to the Pay.gov payment screen. Once payment has been completed, Pay.gov will redirect you back into eCO to complete your registration. You will receive a payment confirmation email from Pay.gov after a successful transaction.”
— U.S. Copyright Office, eCO Frequently Asked Questions