For an online membership you can pay with credit card (or USA: debit card), we accept all major credit cards Visa, Mastercard and American Express. We also offer payment with Apple Pay, Google Pay and iDEAL (Netherlands).
In case you do not have a credit card, and cannot pay with Apple Pay, Google Pay or iDEAL, you can consider the following. Use a credit card (or other payment option) from a close friend. If you buy an online year membership, the first charge is a one-time payment which will be deducted from the credit card. In your account you can change the payment information or you can cancel your annual subscription to prevent this credit card to be charged again (after one year).