Here are the details on joining as a demonstrator.  It does require a credit card for payment.  I believe it will require a bank account in order to pay your commissions to you. 

In Color Starter Kit 

• New demonstrators can select any standard eligible Stampin’ Up! products up to $125 value for just $99.
• The Starter Kit includes business resources like catalogues, brochures, order forms, and postcards.
• The Starter Kit also includes $66.50 of FREE 2022–2024 In Color products: In Color Grid Paper, In Color Ink Pad Collection, In Color Cardstock Collection, and In Color 6″ x 6″ (15.2 x 15.2 cm) Designer Series Paper Assortments. 
• When you join Stampin’ Up!, you get to be a part of our amazing community of crafters. Plus, you get to enjoy sharing simple and fun crafting experiences with others, early access to products, and exclusive access to training events.
• You’ll also get a free Paper Pumpkin kit! 

Additional Details

• New demonstrators who submit their Independent Demonstrator Agreement (IDA) before 31 May are eligible for this promotion.
• New team members may not use their team leader’s shipping address to ship their kit. 
• New team members may only pay for their kit using a credit card on which they are listed as an authorized user. 
• Team leaders should verify that new team members are using their own Social Security Number (US).