It sounds like she's allowing it to escalate a bit if you're doing everything except sex, which I take to mean everything except intercourse. A lot of Christians think as long as they aren't having sex everything else is ok but it is playing with fire if their goal is to not have premarital sex. The more you do, the closer you get, the harder it is to resist.
I agree with Northwest, though. If she is having an orgasm from you that is still sex. That may be why she's ok not taking it to the next level because she's essentially getting what she needs without the intercourse. I don't think she's playing but if this bothers you, you should be honest about it. It wouldn't be right to pressure her to go against her beliefs but you have your choice too. You can choose to wait for her for when you fully commit, or you can move on to somebody who is more closely aligned to your own beliefs about sex.
