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Applying to steam is long process, may take them up to 30 days to approve. And unless you releasing as EA (Early Access) than they won't approve unfinished games, if monetized. But best do your own research on this matter, this is only what I gathered from "HentaiWriter" and their release escapade of Future Fragment.

Then I need another payment method here..

That is on Itch.io itself, and no dev can influence it. Unless it is request of community at large.