Hi Saramos,
When setting up Family Sharing you must have a credit or debit card as your payment method. See this article for reference -
Family purchases and payments
When a family member makes a purchase it will be billed to any gift or store credit that they have first. If none exists it will be billed to you.
As the family organizer, you may not set your billing method for purchases to anything other than a credit or debit card. If you have a store credit such as from pre-paid cards, it may not be shared with other family members. See this article for reference -
How iTunes Store purchases are billed
Thanks for using Apple Support Communities.
Best,
Brett L