I did once pay by credit card. There was a mature lady in Nottingham, been discussed on here but I forget her name (my old age!!), who ran a legitimate beauty/massage business and had a room above for fucking. At the time I was struggling with cash, not so much affording it but more diverting it without OH knowing. Anyway she said I could use the credit card facility in the business which I did and then said to OH it was for a sports massage for an injury I had at the time. Quite neat.
However would I do now, even with someone like her who seemed trustworthy? Not a chance. I was naive then.