New to this wondering what is the easiest way i should pay?

Exactly what the title says? Since the payment is starting and I have to start paying to play I was just wondering what is the easiest and most reputable way to pay? I know no one likes either one. The only reason I ask is because I already have click and buy set up and am good to go. But I have heard nothing but horrible things about them so do you think it would be easier for me to just go the crysta way, I know about the supposed once cent extra surcharge but I really don't care about a penny right now. Especially since where getting it at only $9.99 instead of $12.99 until 2.0.

So what does everyone think would you rather use click and buy or just crysta?

Like I said I am already set up to pay and everything I am just wondering if I should un register for click and buy cause all I ever hear about is how click and buy is a horrible third party to go through, and how they overcharge people sometimes. And when it comes down to it I would rather be overcharged a penny a month by SE's crysta system than $3 a month by using click and buy.

Thank you for taking the time in reading my post, and for any help anyone can provide.