I’ll be honest and say I guess I don’t know for sure.
My experience is that I link a cc to my resort room and can charge things using my MB. My cc is not charged each time I make a purchase, only a couple of times during our stay. (I believe the new policy is Disney will charge my cc the outstanding balance on day 5 of our trip and every 5 days and then the outstanding balance upon checkout.)
I make all the charges I want (food, souvenirs, tips, etc) but, before day 5 of my vacation I take my stack of gift cards to Guest Services and they apply this amount against the current balance of my room charges. So, even though I may have charged $200 to my MagicBand, as long as I take $200 of gift cards to gues Services before day 5, nothing gets charged to my credit card and I am using the gift cards against my room charges.
Would that be something that would work for you? Since Disney changed their gift card policy a couple of years ago and now allow gift cards purchased in Canada to be used in the US, I’ve done this often and saved a lot of money. I use grocery store points to buy Disney gift cards for free so using them in the above way has saved me hundreds and hundreds of dollars!!
I don’t know how mobile ordering works with the cc that is linked to it as I’ve only used it with the
DDP.