We used mobile order a lot over our Christmas trip, and you do pay when you order. Basically, there are three options:
- Pay with the CC that's linked to your MDE account (the one used to guarantee ADRs, etc.)
- Pay with Apple Pay
- Pay with a gift card or Disney Visa Rewards card - you have to enter the card number each time, so it's best to record that number in a note on your phone and then copy and paste it each time you order.