Cloud Chat 3 has included two payment gateways at this moment, you will need at least one account either with Paypal or Stripe.
Stripe
Stripe does accept all major credit cards.
Paypal
Paypal accepts payments from Paypal clients and in some countries also accepts credit cards.
2Checkout
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...