So first, paper trails...
Uber will allow you to use multiple payment options. This includes credit & debit cards, as well as Apple Pay (iPhone) and PayPal. Uber also lets you attach PayPal, Uber Gift Cards, Venmo, and CVS Gift cards. All of these offer opportunities to pay by something other than your joint bank account and credit accounts. Lyft also offers credit, debit and gift card options, as well as PayPal. The gift cards are obvious. Buy the card and attach it, then reload or attach a new card as needed. I'm not an expert on Uber Gift Cards, but I suppose you can also provide a card to a POT or current SB so they can fund their own Ride Share account. Of course you still need one face to face meeting to give her a physical gift card. Lyft also has something called "Lyft Cash". I've not used it, but it looks like a stored value wallet you can pre-load with funds in a lump and deplete per-ride without ride charges showing on your bank/card account.
Before I talk about PayPal, let's take in the following info: You can apply for and maintain a separate bank checking account with a debit card at a small, local bank or credit union. You are not required to add your spouse to the account or even tell the bank you are married. If you decline the credit card offer that will be linked to that account there will be no credit checks and no reports on your credit bureau. So you can attach the debit card to the ride share account and deposit cash into the extra bank account as needed.
Now on to PayPal. Using the checking account and debit card you got from the "extra" bank, you can open a PayPal account and fund ride share payments from either the checking account (DDA debit) or the Debit card. PayPal does not mail monthly statements, and you can designate a separate mail address (i.e.: Not your home address) to receive any physical mail they are required to send by some laws or regulations.
So basically, it sums up like this:
1. Open a ghost bank account in your name only and get a debit card, and/or
2. Buy appropriate gift cards with cash, and/or
3. Open a PayPal account with the bank from #1, and
4. Attach one or more of these ghost payment types to your ride share account.
But that's not all! You still have to understand the other risks from sending a car:
1. Once your POT or SB gets into the car, they can control the destination, as well as allowing additional passengers to ride along. You can monitor the drivers' course, but you'll have to contact the driver through the app if the car goes off course, and then try to negotiate some resolution. For example: A scammer gets you to send a car for a short $15 ride. The car arrives and "she" and her buddies pile in and ask to be dropped off at a friends place much further away, maybe a $60-80 ride fee. It's going on your bill.
2. Also, the rider can cause any type of damage in the car and you might be on the hook to pay for it.
What I've done, especially for a M&G is to ask her if she has her own Uber account, and what general area she's coming from. Then I set up a ride from her to me JUST to see the projected price. Then I DO NOT book the trip. Instead, I tell her "hey looks like it will cost you $18 to get her, I'll give you that plus tip money when you get here." After that 1st meeting, I'll offer to send an Uber or pick her mu myself if I feel the trust.
So there you go. Do a bit more research on your ride share app of choice and look online for free or low-cost and low-minimum balance checking accounts. Then pull out some cash (as little as $100 or so) and fund the ghost payment methods of choice. Do this and you find that...
Life is good
The Cat