Clover, am sure you do have 3 days to pay. Think you can either go online or call a 1300 number and pay over the phone with a card.
Honestly, it's such a straightforward drive up the M1, over the Gateway and towards the sunshine coast it far outweighs the inconvenience of calling up to pay the toll. Going anywhere near the CBD is icky and way more time consuming. You'd probably save 20-30 mins to go over the gateway.
Safe driving.
Agree with everyone else, totally better to pay the tolls & skip the CBD.
And yep, you do have 3 days to pay, you can also buy your pass from petrol stations & I think Night Owl convenience stores, as long as you buy it within three days of your trip. Also I think you can get a return pass & set it to be valid for as long as you need?
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