@Myrna90. You dont mention why you cant use Payoneer (via Airbnb). I note its available in Japan and there are only 15 countries worldwide that they cant deal with (mostly due to sanctions). One of my listings is paid direct to a bank account that has an attached scheme debit card (but the card details are not what I provide to Airbnb). I also make sure I do not authorise Airbnb to make any debits from this account. So far so good.
If this still isnt an option, maybe talk to your bank.