most sellers are specific in how they want you to pay ...all accept money orders...most accept paypal. Paypal can llink direct to yoru checking/savings...credit card is not needed. If you pay by money order, the seller wont ship until reciept of funds...may delay delivery. Method of delivery will dictate travel time to USA vs Canada.

Make sure they seller has good rating...the more transactions the better...
watch out for folks that will gouge you with shipping and handling.....dont forget to include shipping MENTALLY when placing bids.