If it's to take the 417 from MCO to WDW, there are toll plazas where you can pay with change or bills. If you need to take the FL turnpike (e.g. Ft Lauderdale to Orlando), there's no toll plaza and need a Sunpass account. Without a Sunpass, you will be fined 100$ USD (my uncle got the bill). We always drive to FL where we always take the 417 to WDW and often stay in St Pete beach where there's a toll to pay so we decided to get the Sunpass transponder with suction cups. We keep 10$ minimum in our account and never have to worry about tolls anywhere.