It's polycarbonate, which is plastic. I wouldn't use it with MH or MV since it will yellow the plastic. I'd use 250w HPS or less. As for payment, i'd give them an e-mail to find out. I'd assume they'd accept credit cards if you or your parents have them... Since i'm to young for a credit card, my parents will usually use theirs and i'll pay them back the difference in cash once i've earned it.