Do i need to set up roku pay

It appears that the Credit/Debit cards are a form of idenification for the user.   Just like any other ID card one uses on a day to day basis.   

With that in mind,  you can opt out of using your card's digits.   If you do, there will be consequences.   The warning pop up box will fill you in.   Pay attention & read it carefully.  I opted out.   And my Roku did not update or preform dependily anymore.   I started using a reloadable prepaid Debit card for my Roku account for ID purposes only.   My paywall apps are initially signed up directly by me on my laptop (not on the Roku directly),  contacted by me through their call centers or email directly,  or pay fees/memberships to their accounts also directly. 

My apps immediately updated & I experienced no more Role related issues.  So I use my special Debit card for all my online activities from now on, not only for Roku identification. 

 And my own hard won Credit Cards for offline uses only.   This works for me. 

Do I have to set up Roku pay?

When you create a Roku account, you will be prompted to link payment information to Roku Pay to let you purchase hardware and entertainment directly through your streaming device or account. Your Roku account stores your preferences, settings, which Roku streaming devices you own, and which channels you have installed.

How do I set up Roku pay?

Update payment method on Roku streaming device.
Press Home on your Roku remote..
Select Settings..
Select Payment method..
Select Add payment method or Update payment method and provide required information..

Can I skip payment info on Roku?

You're not "FORCED" to do anything. Admittedly they don't make it obvious, but you can skip entering payment information.

Why am I being charged monthly for Roku?

Note: Roku has some channels that allow users to try for a specified number of days. The moment the free trial days end, Roku converts the channel to a regular subscription, and you will have to pay for it on a recurring basis. You can avoid the payment if you unsubscribe before the end of the trial.