The site owner can also setup virtually any payment option that customers can use. I have setup PayPal as the default, but I can integrate virtually anything that has an API.
So the site owner sets this up from the admin like this:
https://ibb.co/yfNkymK
Then when the customer goes to add funds to their account they see this:
https://ibb.co/CbHCMLt
https://ibb.co/LPfVjJy