yes they take debit cards if it has the visa logo on it, they don't recommend it because you have to make sure the money is the the bank and if its not, you are going to get an overdraft charge. but they have no way of knowing if its a debit card or a real credit card. The other downside to using a debit card online is that if someone gets the number and empties your account, you are NOT covered and are SOL, while with a credit card, you are NEVER responsible to pay any fraudulent charges, so if someone gets the number, it may be a pain to contact the CC company to get the charge removed, but you will get it removed. Basically though the only way they could get it when ordering from tower is if you have a Trojan horse viruse with keylogging (pretty unlikely) or someone breaking into towers database and steals it (very unlikely)

As for how easy pay works. If you were to make an order today, and you got something for $249.99. they would ship your product and charge you 83.33 plus shipping chargers today, (8/16/09), then you would get another charge of 83.33 on 9/16/09, and another charge of 83.33 on 10/16/09, and that would be it. Ive used it several times and its pretty nice.