If I don't have the credit card, what other means of payment can one adopt from nigeria.

Dear irenemi8228

Having lived myself over 28 years in different African countries...

The last country in the world I would like to have business connections with is Nigeria.
Although there may be good exceptions, most financial transactions with people there end up in a huge disappointment, and either money or goods will never arrive. Instead you run the risk to have your own bankaccount plundered dry...

You have been warned !

;)

Temp credit card, bank card, or get a credit card. Also you should not need a credit card if someone is going to pay you.

PAyPal is an option, but I would not do ANY work for anyone from Nigeria without VERIFIED payment in advance.