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That’s not normal. I have never had such problems. No special cleaning and cream needed. No smegma. Just pull it back and wash it like everything else. You should seek a doctor. It sounds like a medically induced circumcision would be a good idea.

In Germany there is this company called Sofortüberweisung. They are the exact thing you described. The “pro” for the consumer is, that the transfer is directly confirmed by the third party and the seller can ship right away. The con is that now Sofortüberweisung has your whole banking history of the last 3 months. They will sell this data to their “partners” and make good money with it. If you don’t have a credit card, that’s one of the only ways to pay fast directly if you don’t want to use PayPal.