I don’t know about the payment method, but I’ve had pretty good luck with Hetzner’s auction servers. I’m currently running an Intel Core i7-8700, 14TB HDD Space, and 128GB RAM. for about $42 US. I run Swizzin for ruTorrent, JellyFin, and NaviDrive. Even run a game server manager called AMP outside Swizzin to spin up Minecraft, Palworld, or almost any Steam game with a dedicated server. Have the occasional lag issue with the game servers, but works fairly well most of the time.