Do you use Stripe?  Have you ever purchased from the Humble Store?

I get that everyone trusts/loves PayPal for some stupid reason but PayPal is anything but a pal; more like the backstabbing bastard that regularly rips off people, freezes accounts without notice/consent, and engages in widescale massive money-fraud on a near-daily basis with near-impunity to consequences.  There's a reason eBay and PayPal aren't exactly best buddies anymore.  Do an internet search if you want to waste a few dozen hours lol.

Itch.io actually requires people to pay for things instead of taking a Steam 'dump' on the games industry.  Steam permits users that are exploiting loopholes in the law and using 3rd party programs to farm digital cards and collectibles to resell on the market to scammers who then drive up the prices and sell them back for a profit and use them to engage in criminal fraud and rip off indie devs and gamers alike.  Plenty of YT videos on it too.

If you don't want to use your card online for whatever reason then that's up to you, but never believe that any corporation (especially Valve) ever have your best interests at heart.  We as customers are nothing but worthless cattle to them; to be milked dry and then spied on and analyzed for additional 'recurrent user spending' revenue.

Yeah I'm a bit bitter ;)
Back in the day we handed our allowance cash money to the person behind the counter and got the game thing in a nice package.  Nobody could ever take it away from us.  We OWNED the cartridge.  <3