I don'y see a location to where you live, so im just gonna put down the US sites...
Here are some retailers that use paypal. I have never ordered from them, so i cannot tell you who ships fast ort what not.
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http://www.boomster.net/modchips/Xbox/X2Lite/index.html
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well, uh. They are all I know lol. Price is average, but mods4less.com has it for $5 cheaper, but n opay pal. I do not have a credit card. My bank's ATM card is also a debit card, which is mastercard I think.
Talk to your bank and ask about debit cards. They are different in that it is much like taking cash directly from your bank and buying a product, paying exact change.