How to make a payment without an iPhone

You can also use Apple Pay on your Mac, iPad, or Apple Vision Pro.

Have a look at this article:

Set up Apple Pay - Apple Support

If you want to pay for Apple Content from the AppStore, for example, you can as well use Apple Gift Cards to top up your Apple Account Balance:

What you can buy with your Apple Gift Card or Apple Account balance - Apple Support

Your question is very unclear and I see another reply is also guessing as to what you may mean.

Payment for what?

How are you wishing to pay for something?

Where are you trying to buy something?