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Can i order online by phone then download later to a laptop or do I need a desktop computer?
Minimum System requirements for Cloud Programs... scroll down and check each program-http://helpx.adobe.com/creative-cloud/system-requirements.html
Cloud Manager to install all programs https://www.adobe.com/ie/creativecloud/desktop-app.htmlhttps://community.adobe.com/t5/get-started/how-to-activate-your-adobe-software/td-p/9636861?page=1
And, you pay for Creative Cloud month by month, usually committing to pay for a whole year. You purchase online, by giving Adobe a credit card to charge each month. If your question isn't about Creative Cloud, please let us know.
Do not purchase anything until you have the right equipment on hand. If you haven't already, get a free 7 day trial to ensure it works on your system.
Laptop or desktop makes no difference as long as it meets the system requirements to run CC + all other apps you intend to use. Graphics and video apps require lots of resources.