Apple IDs for loan devices

Roger has very handily answered one question regarding separating the two devices that had been on one Apple ID.
As part of my job I also am purchasing 4 devices, which will all have to be set up with unique Apple IDs. All I can think of is setting them to link in to one email address. How to set up those IDs without putting in credit card details is a major problem, however. These devices will be on short-term loan to disabled users, none of whom should be able to install or alter anything by using the relevant Apple ID for the specific device.
Any user obviously can set up their own Apple ID, with their own credit card details, if they wish to purchase software to use on the device. It is just the initial Apple ID and assistive software installation for each device that we are having problems working our way around.
Has anyone got any ideas about how this might be managed? Surely enterprise users of iPads must run into these problems all of the time, and I don't think that all of them would have a corporate credit card. The problem is because, as far as I know, no one can set up an Apple ID without putting in credit card details. Although this is not an issue if it is on one's own device, it could be problematic if this is on a loan device.
I welcome any suggestions.
Regards,
Siamekko

Thank you; I don't know why I couldn't find this during my searches.
ATB,
Siamnekko

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