Originally Posted by Bell driver
Not every country in Europe has toll charges, but that information is easily available on the net and can be planned for accordingly.
Route planning can be assisted by a GPS, for example Tomtom, it can be told to avoid toll roads as well as highways.
I've not encountered your problems in France, Italy, Slovenia, Austria, Switzerland or whereever. You can always pay in the shop or, if the station is automated, by credit card.
A GPS also tells you where the gas stations are and a smartphone will tell you which one is the cheapest.
Planning can be simple.
France is a bit of a problem child when it comes to paying by credit/debit cards. Most automates don't accept cards other than French ones. If there is an attendant, no problem, but most stations outside urban areas are unmanned at night. Those on the autoroutes are 24/7.