Never done the clickandbuy thing, because I use paypal. But, this is the link from the official site, looks like clickandbuy may be your only option. What part about the clickand buy isn't free?
They add an additional 3.9% to put a credit card on there.
The charge $0 for debit, the only problem is, I didn't see the debit option. So I lost 10 dollars off my gift card, though I did buy some things! XD
Hybrid Mode
