You can place a Freelance job before you have money for it in your account, but you will only be able to proceed with the job (selecting a developer and them accepting it), once you have provided the funds.
However, if you have no means to deposit funds into your account (because none of the payment methods work for you), then you will not be able to proceed and you might as well have never placed a job request.
Also, if you try to circumvent the rules by supplying external contact details or trying to pay outside of the system, then you will be banned.
How do you run an add in Freelance to hire a coder when MQL5 won't take payment.
rules: https://www.mql5.com/en/job/rules
EA specification HowT: https://www.mql5.com/en/articles/4368
Indi specification HowTo: https://www.mql5.com/en/articles/4304
How to order a trading robot in MQL5 and MQL4 https://www.mql5.com/en/articles/117
How to order an Expert Advisor and get the desired result: https://www.mql5.com/en/articles/235
How to create Requirements Specification for ordering an indicator: https://www.mql5.com/en/articles/4304
Freelance Jobs on MQL5.com - Developer's Favorite Place: https://www.mql5.com/en/articles/1022
Freelance: https://www.mql5.com/en/forum/312352#comment_11515535
Tips to avoid being scammed … https://www.mql5.com/en/forum/426520
Define your "final test" e.g. in the StrategyTester visual mode of the StrategyTester and live (for 1 week) with the relevant trading data (opening, exit, SL, TP...) as a comment for the visual mode - can be commented out later so that the EA becomes faster.
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How do you run an add in Freelance to hire a coder when MQL5 won't take payment.