if you just pay the sub fee, you can get into the game but not the extra retainers.Normally it is charged at the same time as your game subscription (both are charged to my credit card in a single transaction). The exception would be when you first set up the paid retainer service. Then there's a prorated charge to cover the time until the next subscription billing period.
Did you cancel the retainer subscription at some point and you're now trying to reactivate them? I can't figure out why you wouldn't be able to access them if you can get into the game (unless you're benefiting from some sort of free log-in period).
If you go through steam the entire process is a bit... wonky.. to say the least
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