If you don’t have a paypal account or don’t want to create one you can still join the swap. You can absolutely pay with your VISA or other credit card, but you will have to do it through Paypal because that is the system used for the swap.
Click the paypal button, but instead of logging in to Paypal scroll down. There is a gray area, with the option that says pay with debit or credit card on that page.
Then you will be prompted to write in your card numbers instead of logging in. Money will be drawn from your bank account instead of a Paypal account, but non of your bank information will be given to individuals or third party except PayPal.
When you sign in, just fill in that you payed via credit card where we ask you for your transaction ID, and skip the field for paypal e-mail.