Nitpicking. Payless is one of those companies that reserve the right not to rent to you if you decline their collision coverage and also don't prove you have collision on a car of your own back at home.
Although Payless is "off site" therefore requiring a shuttle, they are directly on the way to Disney.
Their shuttle takes you (other rental cars can follow) out the north airport exit and left at the first light (Frontage). Less than a mile is their office on the right. Leaving their office with your rental car, take a right (west) instead of their suggested left. Less than a mile is next light (Conway); left and left again to get on 528 (Beach Line) west. Watch for "pay toll" signs and take what looks like an exit ramp to pay toll if using cash. Then you are returned to the highway and at the end get on I-4 west (southwest). Disney exits will appear soon.
Returning to airport, use I-4 East and then change to 528 east. Again watch for "exit ramp" to pay the toll. Get off 528 at its exit 9 (Tradeport). Left (north) and cross under, nice cheap gas station right there on the left to top off at. Get receipt. Leave the gas station and keep it on your left as you head north again, get into middle lane. Required right (east) onto McCoy, less than a mile is their office on the left. (Other rental cars continue less than a mile to 436 (Semoran), turn right for airport or (if you missed the aforementioned gas station) turn left to pay six dollars a gallon to top off and tell your friends and relatives you went to the most expensive gas station in the country.)
Oh, by the way, I have used Payless at MCO several times with no problems.
