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As to your question, i dont know that you can, because you won't be refunded.
What i did was to go ahead and sign up on the SWTOR website and set up my security key, then subbed through them.
For me, it then re-downloaded the game, but obviously wrote over the current one in my Steam Library.
It now shows me subbed and the game still starts through Steam.
Bioware/EA/Valve will not ban someone for removing an uncharged payment source. The Paypal payment source will be unavailable and the subscription will end.
they should be able to cancel by going under Account Details.