Cloud Chat 3 has included two payment gateways at this moment, you will need at least one account either with Paypal or Stripe.
Stripe does accept all major credit cards.
Paypal accepts payments from Paypal clients and in some countries also accepts credit cards.
Lot's off different payment methods, like apple pay, paypal, credit cards, skrill and many more.
More payment gateways will be included in the future. Let us know...