Graal Era, Zone & Ol’west are pay2win to an extent, you still need skills after buying weapons to compete unless you see wealth as winning
Classic is somewhat pay2win if you count customizations and a social status as winning, when it comes to PvP/PvM then not at all since the combat system is very basic.

Even though money doesn’t gaurantee winning in particular it doesn’t change the fact that prices on graal are absurd and basically a ripoff whether you farm in-game or buy gralats