If you understand how pre-order systems work... There is nothing to worry about. Ps4 gets a "ticket" to say they paid for it and can dl it free at a later time. In Xbox you dl the full game right then with a time lock on it...
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This It's a licence issue with MS, you can not preorder something that does not exist as a digital download Right now there is no Rise of Iron that can be downloaded yet, when it's ready then you will be able too
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Thanks.