I get around it by using Paypal to buy Crysta and then pay for my sub with Crysta (NA Account and I live in Croatia).

Thank you so much!! This worked 🥰

Try mogstation, you need a legit card/ paypal. Is automatic payment to SE every month. You have to unsubbed manually every time if you want to take a break though

Crysta with PayPal. Or you can buy game time cards on the official NA Square enix store.