I'd wait to see if they have a good black friday sale.

No, go to https://rideshare.spacex.com/search?orbitClassification=2&la... and click through a couple of times. It literally asks you for your contact data and credit card number so you can pay 650k USD for launching 15 kg to LEO.

Technically you’re just paying the $5,000 deposit with your card. They probably don’t want to eat the card processing fees on the full amount and will request some other sort of transfer for the remainder.