If you're Single paying by Credit Card is Fine. If you have a Wife or Girlfriend, very Bad Idea.

Some providers.....

May Take visa/American Express/MasterCard gift cards which you can purchase with your CC..   Talk to them.....   But there are providers whom take cc's.....  You have to do your research!!!!  The the key word: Research

Some do take them. I myself am in this boat, as a wheelchair bound person, I am totally unable to leave the apartment to get cash--ever, so it has to be a credit card or paypal. You'll find some ads on backpage that take them. You'll also find a number of more amateur providers on  craigslist who will, who won't say that in their ads. You just have to aggressively answer ads, and explain that you can't pay cash. Eventually, you'll find someone who will take other forms of payment. Sending money in advance via Western Union can sometimes work also.

The problem with credit cards is they are traceable. Also, people can dispute the charge just say I never purchased anything with that vendor. How do I know.... I use to own a store and took credit cards. In order to prove the purchase you have to go through hoops and ladders and on our end we have no "proof" of the transaction thus it would be reversed.

What I have done with gentlemen that can not get the cash for whatever the reason, is there are many places you can buy gift cards online or when I have arrived at the gentlemens place I take him with me to go to the ATM. I see one gentlemen that is epileptic.  

There are many ways one can accept other forms of payment..... you just have to be creative in your thinking.