I just booked (Disney online) our last minute trip for April and could only pay for one night with a room-only reservation. Didn't you used to be able to pay in full?
We are never allowed to pay in full ahead of time...we use my brother's Cm discount. I always thought that if you booked otherwise that were you allowed to pay in full...
I have heard the same as the previous poster. For whatever reason, you can't pay in full if you book online until you check in, but if you book by telephone, you can pay in full or make payments up until check-in time.
Maybe try calling CRO and see if they'll let you pay in full over the phone, even though you booked online. Worth a shot.
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