a payment gateway service that does not require bank account

[cosmicray]

The real reason they want you to have a bank account is for accountability. They want someone out yonder, to see the real person you are, and to make you present identification to open an account. Otherwise, you could make up lots of stuff and send it in to the payment services. Banks regularly run credit checks on new accounts, to make sure that you are not a deadbeat running from other banks. The payment services are using the banks to verify new customers.