This game is full on pay to win, especially since they added elemental damage. A good player can be almost on par with them, but usually those you dont pay get destroyed easily.
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It's far far from pay to win. Anything that is exclusive to money is asthetic. PS: elemental ammo gives you a disadvantage because upfront damage is smaller than normal bullets. (not to mention being able to get them without money very easily.) Infact, i find the default assault rifle to be one of the best weapon builds in the game. xD
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You can buy weapons and attachments with Zen points, either individually or with packs. And although they have a smaller damage, I hate the fact that it can still kill you even if you're in cover.
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You can buy all of that with CP, points that you earn by playing. And the elemental ammo that damages you while you are behind cover does 20% less damage than a normal bullet does, or does 10% more damage, but has a smaller magazine, longer reload, less range and kills significantly slower than normal bullets. xD All of which you can get without paying at all. lol
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I know, but it takes soo much time to get enough CP to get those stuff!
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With all the free items you get every time you level up, you don't need to spend a single point until about level 20-30, and by then you'll have about 30,000-40,000 CP to spent. xD
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You can play [u]one[/u] game and then you can rent items for an entire day lol.