I am stuck in on payment before setting up my device.

You probably want to start a new thread, and also say more about what the "problem" looks like

You need a credit card to set up the Roku.

Hello Sdogbah

Welcome to the Roku Community!

Can you please provide us with more specific information about the issue you are experiencing? What was the error message when attempting to activate your Roku device?

We recommend starting here to troubleshoot activation issues: How to activate or link your Roku® streaming device | Official Roku Support

Please keep us posted and we'll continue assisting you from there.

Regards,
Karla