Mobile Order doesn't allow you to charge to your room at all, so Magic Bands are not used with Mobile Order. When you place your order, it will charge the credit/debit card you have connected to your MDE account immediately. You can enter a different card # if you want to. You can also use gift cards or Disney Visa Rewards cards. For those last two, you have to enter the card number each time - the app does not save the card number.
If by "getting photos" you mean getting PhotoPass photos, then absolutely no problems, as your Magic Band is scanned for those. The ride photos where you do not tap your band to something (7DMT, Pirates, HM, etc.) are a different story as those use the part of the technology that requires the internal battery. Those batteries last about 3 years on average. The batteries are not replaceable nor rechargeable.
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