Hello.
It is highly unlikely that it is possible for you to perform this without the creation of some kind of account to get the money transferred, especially considering facilities such as actual banks.
I don't know if my suggestion will be of any help but given the services such as Ecocash and Telecash available, these are only 2 of which the creation of an account is the far simpler than most.
Consider it as part of standard business procedures for security and other viable reasons.
I hope, however, that you may be able to find what you are actually looking for.
Best of luck.