Cold Hacks

you can still make payments to merchants and websites by using credit card

Unfortunately this is only partially true as direct payment options are not enabled by default for every merchant. I plan to introduce other options but this is quite time consuming process as every company has it own standards, requirements and verification procedure (usually more complicated than standard one for customers). At the moment Cold Hacks supports only Skrill in its non-direct version.

EDIT: CashU is likely to be introduced soon.