You can also use gift cards to pass along credits, for example say you have a $25 subway gift card, you sponsor a tournament offering 1000 credits to the winner, you put $15 in your account from the card leaving $10 on the card. When the tournament is over you give the card # and pin # to the winner to put the remaining $10 in there account. This is something a couple of guys in my CC do to pay out credits, it works.