(Are you going to pay by) credit or debit?>> Você vai pagar em crédito ou débito?
(Are you going to pay with a) credit or debit card?>> Você vai pagar com um cartão de crédito ou débito?
(Are you going to pay (in)) cash or charge?[
idiom]
>> Você vai pagar com dinheiro ou cartão?
_
There seems to be an entire family of expressions involving
pay + [form of money] that permit English speakers to use either
pay [form of money] or
pay in [form of money].
To pay cash = to pay in cash.
To pay hard currency = to pay in hard currency;
To pay dollars = to pay in dollars;
To pay ready money = to pay in ready money;
To pay silver = pay in silver.
The dual acceptability seems to break down in situations where English speakers would normally use
by in place of
in:
To pay by check /cheque;
to pay check/cheque.
To pay by credit card;
to pay credit cardThe first set of phrases remain idiomatically acceptable (in U.S. English, anyway) when you substitute
in for
with:
To pay with cash;
To pay with hard currency;
To pay with dollars;
To pay with ready money;
To pay with silver.
In contrast, substituting
with for
in in the second group works only if you add an indefinite article after with:
To pay with a check/cheque;
To pay with a credit card.
I believe the underlying distinction at work here may be the difference between form of payment (cash, hard currency, dollars, etc.) and mode of transfer (check/cheque, credit card).
REFERENCES:
(1)
https://bettermoneyhabits.bankofamerica.com/en/personal-banking/pay-by-cash-debit-or-credit(2) Oxford Learner's Dictionary.
(3) BENNETT, David C.
Spatial and Temporal Uses of English Prepositions: An Essay in Stratificational Semantics. London: Longman. 1975.
(4) KOOPMAN, Hilda.
Prepositions, postpositions, circumpositions, and particles. In:
The Syntax of Specifiers and Heads. London: Routledge, 2000.