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It uses whatever method you use to pay your XBL Gold, store, etc. Paypal, prepaid cards, whatever has a balance it can pull $5 or $30 from.

I've got EA Access now. Paid $5 to give it a shot for a month. It downloads the games just as if you bought them. Every month EA with auto charge the xbox account. If it sees that you don't have the subscription anymore, you can't play the games. It's actually really good. I already had BF4...