[kroltan]

Here in Brazil there is a very widely supported payment method "boleto bancário", where basically the seller/provider prints you a bill that you can pay with a bank account, or in cash at physical locations (usually lottery houses and post offices).

In fact, some websites even offer big discounts (like 15%) for payments in boleto since there is basically no service fee.

That is basically how me and all my friends did "online" transactions.