Thank you for all your ideas and suggestions. I had not heard about Chargesmart.com, Kiva.org ever before. I used these for future payments and helped me immensely. You are right about Chargesmart being expensive. However with such a steep spend requirement I wanted to make sure I met it. My bonus is 100000 points for the spend in 3 months. It is well worth it. I also learnt about Amazon Payments during my idea look up endeavor. It helps with another $1000 spend, though it is recommended it should be the last resort.
Thanks everyone for pooling together to help me out. This is a great website because of people like you.