The payment is PayPal only I believe.
[added 2 minutes later]
I think you might even need different payment methods, I tried this with a different account and store location but same PayPal and it charged me.
Yes if you have negative coins you obviously did something wrong. Editing coins also isnt safe, you will probably get banned when the next tour starts.
Keep in mind that there is a soft cap for the level every tour, I wouldn't recommend going over that because even if Nintendo does not track experience gained over time they will probably ban anyone who goes over the soft cap. I believe it is around Level 81 or something for this Halloween tour.
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