Hierophant

You don't need a credit card to sell items. You only need a bank account in a country accepted by the payment processor. The payment processor will either disburse funds by automatic clearing house deposits or by sending you a check. There are providers out there that do both but it depends on whether they can help you based on where you live as not all providers will operate in all countries.

You should choose the one that gives you the best range of features and the lowest cost that fits your business.