A little bit different from AAA is how you do directly thru Disney on their website vs. on the toll-free #:
Online, your $200 deposit is due right away in order actually book the trip. Then you have until 45 days prior to check in to pay off the balance. You can pay however you want, by mailing a check or posting a new cc payment as often as you want up until that 45 day mark.
By phone, your $200 deposit is due within 14 days - and you can mail in the deposit by check if you want to avoid paying by cc. Then, like above, you can pay however you want, check or charge, and as often as you want up until that 45 day mark. IF your $200 deposit is not receivded by that 14 day deadline - your ressie will be cancelled.
ROOM ONLY ressies are different even still - a single night's deposit is charged at booking, and then the remainder is due at check-in (but can be paid in advance).