@Jhana set up an account with coinbase just using your checking account. Prepare to wait 4-7 days to get coin in your wallet. In the meantime set up a private wallet at blockchain.com (keep this one anonymous - no real names or main email, etc); Once the coins on coinbase are available, transfer them to your blockchain wallet. Once in your private wallet, they are now ready to be sent to vendors for payment. Helps to do small test orders with legit online companies (like say a $40 order of CBD oil) to practice before sending $400 to a vendor. PS - I never could get all the app/phone stuff to work properly so I just use my computer/web to do all this. I guess I'm not tech savvy enough to do it through my phone