If you don't have a credit card or ATM card, don't worry. All super markets carry prepaid credit cards which are good up to $500. Or you can go to the nearest US Bank office and buy a prepaid VISA. If our kit sells for $120 you can purchase the card for $120 (plus the card fee) You will be required to register the card for your protection. See instruction on the card. However, they can not be used for international purchases.