At this time, an eligible bank account is required to receive payouts through Shopify payments. If this is something that doesn't work for you, I would suggest using PayPal as your primary gateway. Customers can still check out via the PayPal gateway as a guest. This doesn't require customers to have a PayPal account to complete their order on your store. They can simply enter a credit card and check out.
I hope this helps! If there is anything else I can help you with, please let me know.