Wow...alright, since obviously you don't want to wait, a credit/debit would be the fastest and easiest way. You link the PP account to your debit/cc and when you make the payment, PP automatically pulls from that source. It's all an instant process. If you do anything else (bank transfer, money order, check) you're just gonna have to wait. If you don't have a debit/cc, guess you're out of luck for trying to get it done immediately. If time is such a factor, and you've only got cash in hand, you're probably better off going with the Supercard since you can just walk up there and purchase it. If you wanna do the R4, with your limitations, you're looking at waiting a bit.