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You have to fill in your information into Google Checkout. At least that is the option I know of. I am not sure but I think PayPal works for some users or applications.
I think if you go through VZW Marketplace, it can be charged to your account. But I do not know what all they have on their side.
At this moment all apps from Market has to go through maket but they are in the process of adding a Paypal and charge to bill option but I havent heard a official date when this will go into effect... I decided to make things simple, I went to the bank (There is other places, I just chose bank) and bought one of the rechargable prepaid gift cards and then anytime I want to buy something off the market I am using it because this is the card that I placed on my market account. The card cost 8.00 to get and then I simply add money as needed.
The Amex gift card has a $4 or $5 one time activation charge and then no monthly charge and no per use charge. Droid Marketplace accepts it.
