Welcome to the DIS! The only meals that require advance payment are dinner shows (Polynesian Luau, Hoop-Dee-Doo Musical Revue). Some meals require a credit card to book, to insure that you show up or cancel within a proper period of time to cut out no-shows. These are usually upscale restaurants (Victoria & Albert's). If you are going on Thanksgiving Day, Disney is requiring a credit card to hold your seating. Otherwise, you don't have to pay for priority seating arrangements at most WDW eateries.
The most popular restaurant with little girls is Cinderella's Royal Table for breakfast. Disney princesses appear at this meal. I want to advise you that this meal is VERY difficult to get a seating time for. It can be made 60 days in advance and you MUST call at 7:00am (Eastern Time) to request it. A few other popular spots are Chef Mickey's, Crystal Palace and Donald's Breakfastosaurus.
I hope this helps!