You might need to changw the PostgreSQL Version if you are still on an oder one. Roll back to 2.x, make sure it runs, edit the App to use the new PG, Start, Update to 3.0

There are no real card network alternatives (for now). Some countries have very popular Venmo/ PayPal alternatives and bank transfers now allow for free instant payment in the SEPA network.

The most promissing alternative seems to be Wero but its not that common yet.