Y2J - There appears to be some confusion...
Rapidgator has never allowed credit card payment without going through a "reseller" that substantially marks-up the cost
I've written several posts in the past that rank the different resellers by cost (each reseller charges their own mark-up). Typically they range from and additional $10 USD, going higher.
If you need to pay via credit card, the options suggested to you (using the Google/Apple stores) are the most affordable options, by far.
In addition, this is the reason so many people rely on multihoster accounts (Alldebrid, Realdebrid, Linksnappy, Cocoleech, etc). Better to divide your downloads over multiple days and work within their limits, than do deal with the hassle of buying Rapidgator direct (for many users).
Good luck to you 🙂