No need for a transponder for this drive. From MCO to Vero Beach, take 528 (toll) east to I95 south to the the SR512 (Fellsmere Road) exit, then onto SR510 across the causeway to the resort. There are two $1 tolls on 528. These can be paid with cash, either coins in the appropriate toll basket or in whatever form of US currency you choose to the attendant at a cash booth. You will need to follow the signs to access the cash lanes off to the right at the two toll plazas.