Pay with cash only. You don't want any surprises down the road. We met a couple on the beach in St. Martin from our ship. The DH had forgotten his credit card and a jewelry shop. It was the last stop of the day and he didn't realize this until he was back on board. In less then 4 hours he card was completly maxed out. $10,000. We saw his later by the pool. The credit card company covered the charges but he had no credir card to use to get off the ship. I would never use a credit card but if you do, bring a back up in case something goes wrong.