"Pay to win" players are the ones who purchase the Xfactor packs (which can get close to or around $50 CAD) or the pre-builds (haven't cared to check how much money EA wants for those) that offer an actual stat bonus advantage over another player. Yes, I know they can be earned through the season pass (however, the flawed logic here is that casual players may never earn enough points to unlock them + some players are willing to pay upfront for them) thus offering a stat advantage over a normal build, which means they are paying for a stat advantage over another player.
I am not stating that a stat advantage replaces skill, however, if we want to look at a player that has enhanced stats that can't be made via a normal build this can give a speed or shot accuracy + power advantage that can affect the flow of the game and experience on a whole for the players.