Seems (if you can tolerate clickandbuy) no 3D Secure is needed

[Alhanelem]

I was able to register a non 3D-secure card without a hitch. If you don't have some kind of hate for click and buy but you couldn't use your card with SE before, you can use it now (Assuming the institution for your account allows the payments to them).

That is all.

Edit: According to SE, the 3.9% thing is not true, and no fee will be incurred through payments to SE handled by C&B.

[Romanova]

enjoy your 3.9 % fee to every transaction

[Alhanelem]

enjoy your 3.9 % fee to every transaction
Not applicable to everyone, doesn't affect me

[Finuve]

Not applicable to everyone, doesn't affect meSWEET that justifies everything

[Romanova]

doesn't affect me


if you are either buying crysta or doing automatic payment through click and buy it does.

[Inafking]

If you use the Crysta method you can pay through paypal and not use a CC at all. Why do I get the sinking feeling this new system is going to mark the return of the RMT...

[Panthera]

If you use the Crysta method you can pay through paypal and not use a CC at all. Why do I get the sinking feeling this new system is going to mark the return of the RMT...
As if that mattered at this point.

[Romanova]

If you use the Crysta method you can pay through paypal and not use a CC at all. Why do I get the sinking feeling this new system is going to mark the return of the RMT...

sadly the paypal way is really the only way to go that's safe, but even then that's SE trying to bank on you buying more crysta than you use so they get extra money.

[Inafking]

buying more crysta than you use so they get extra money.

I've been playing sience 2004. It's a good bet I'll be playing next month. Paying them a little in advance is NBD to me.

[Anathiel]

If you use the Crysta method you can pay through paypal and not use a CC at all. Why do I get the sinking feeling this new system is going to mark the return of the RMT...

Good, maybe ninja tools will be in stock on AH again

[Teraniku]

Considering all the hoops you have to jump through to be able to even sign up to change / update your payment methods, it's a wonder anyone gets transferred over..

[Alhanelem]

Never mind, I guess I was wrong. There is a "risk fee" when using a credit card. Direct debit/checking and direct transfers don't incur the fee, but i'm not sure if it's possible at your C&B account to change the payment to one of those types. Guess I'm going to have to go with Crysta.

Funny thing is if FFXIV wasn't free all this time, they would have gotten a lot more billing feeback (e.g. complaints)

[Romanova]

I've been playing sience 2004. It's a good bet I'll be playing next month. Paying them a little in advance is NBD to me.

that "you" wasn't specific. There are people out there that will have unused crysta.

[Inafking]

There are people out there that will have unused crysta.

If they don't think they'll be playing next month or any month in the future, they shouldn't pay for this month.

[Finuve]

Never mind, I guess I was wrong. There is a "risk fee" when using a credit card. Direct debit/checking and direct transfers don't incur the fee, but i'm not sure if it's possible at your C&B account to change the payment to one of those types. Guess I'm going to have to go with Crysta.

Funny thing is if FFXIV wasn't free all this time, they would have gotten a lot more billing feeback (e.g. complaints)conspiracy theory time!
wonder if they are testing the water to start billing FFXIV, since XIV can't tolerate a huge backfire quite like XI can at this point

[Romanova]

If they don't think they'll be playing next month or any month in the future, they shouldn't pay for this month.

but what if they plan on playing next month then they end up quitting afterwards for w/e reason? Then they will have unused crysta because you can't buy crysta at the same rate as your 30 day bill. That's what SE is banking on, and it's why they're doing this.


Heck, I had unused crysta that I'll use for 11. When 14 came out I thought you had to buy crysta for the trial so I did. Then, of course, 14 never went p2p so it was just sitting there.

Even then, when I use the crysta I have, I'll still have some left over. I'll be forced to buy more to keep playing or let those left over crysta sit there unused, but they got money for.

This is how SE is going to get a lot of extra money they wouldn't have gotten before.

[Inafking]

Then they will have unused crysta because you can't buy crysta at the same rate as your 30 day bill. That's what SE is banking on, and it's why they're doing this.

You mean Square's buisness strategy revolves around people quitting? If you don't buy a heap more than you need, there is never any reason for this amount to be over $5. I still don't see the problem. But if it buggs you so much, you should ask them to make an "i'm-quitting-sad-face-chocobo-plush" that you can purchase for 1000 + remaining balance.

[Romanova]

You mean Square's buisness strategy revolves around people quitting? If you don't buy a heap more than you need, there is never any reason for this amount to be over $5. I still don't see the problem. But if it buggs you so much, you should ask them to make an "i'm-quitting-sad-face-chocobo-plush" that you can purchase for 1000 + remaining balance.

I disapprove of shady money making practices no matter the amount.

[Tarage]

From what I understand from listening to the problems with another Japanese game, the reason 3D Secure is required is that there are no laws in the states that protect Japanese companies from credit card fraud, and these companies have no means of getting their money if cheated.

It isn't SE bring greedy or stupid, it's them trying to protect themselves from bad business laws.

[Romanova]

From what I understand from listening to the problems with another Japanese game, the reason 3D Secure is required is that there are no laws in the states that protect Japanese companies from credit card fraud, and these companies have no means of getting their money if cheated.

It isn't SE bring greedy or stupid, it's them trying to protect themselves from bad business laws.

They had 3dsecure before though, so that doesn't really justify the change to the C&B/crysta system.

[Inafking]

I disapprove of shady money making practices no matter the amount.

I have trouble beliving they're motivated by less than $5 every time someone quits. I think they just don't want the hastle of going through the CCs evey month and all the downtime / congestion that goes with it.

[Raksha]

I have trouble beliving they're motivated by less than $5 every time someone quits. I think they just don't want the hastle of going through the CCs evey month and all the downtime / congestion that goes with it.

Problem is, Japanese customers can still pay directly with credit cards.

[Inafking]

Problem is, Japanese customers can still pay directly with credit cards.

Do you have any idea what it takes to move money around the world vs inside your own country? Or what's gonna happen when it becomes $5 for 100 crysta because those assholes in DC mess up the world economy? Trust me, they don't care about the couple of bucks they get from us when we quit. This fixes some kind of red tape problem they're having. Just ask for the plush chocobo I mentioned earlier if you think it's too much.

[Raksha]

My point is they still have the hassle of dealing with people's credit cards. Just not for NA or EU people.

[Inafking]

My point is dealing with NA and EU CCs is more expensive for them when dealing with a world banker like Visa vs a smaller outfit that will take less of your money for currency exchange or will send the checks to Square's regional HQs for no currency exchange at all.

[Raksha]

Except you can clearly see in this screenshot:

http://www.playonline.com/home/polshift/imgs/img08.jpg

That they are still taking Visa and Mastercard.

They take a JP person's Visa card, why won't they take mine? Even if I were to somehow get a prepaid japanese visa card, they still wouldn't take it because there's no option on my EU Square Enix account.

[Inafking]

Because what you're talking about does not exist, and probably can't because of the way international law is set up. What part of "inernational currency exchange" do you not understand? You seem to have a pretty Amercian education for someone who is supposed to be from the EU.

[wildsprite]

they could still use paypal or CC as direct payments in the USA atleast....and you forget, parts of SE do exist in the USA(they are registered here as a US branch..so they are protected from CC fraud..obviously they have to pay their US employees with something so there really is no reason they couldnt use paypal for direct payments or even credit cards) and EU and other parts of the world so there is no reason they cannot take payment in our own currencies

[Ziyyigo-Tipyigo]

Actually, it's the customer that's protected against credit card fraud, not the merchants. The merchant is expected to go through the motions of ensuring the card is legitimate (e.g. comparing signatures with the back of the card, checking the expiration date, etc.). If they end up taking an illegitimate credit card and can't demonstrate that they did everything they were supposed to do, they're out of the money.

Accepting an illegitimate credit card transaction is like accepting payment in counterfeit bills. Otherwise the merchants themselves would have motivation to take part in the fraud themselves.

I suspect part of the reason they outsourced their credit card processing is the headaches in dealing with the banking and credit card laws of multiple legal jurisdictions. The way they went about it, on the other hand...

[Raksha]

Because what you're talking about does not exist,


That was my point




and probably can't because of the way international law is set up.


Square Enix has an American subsidiary that could take my money.




What part of "inernational currency exchange" do you not understand?


The part where "International Currency Exchange" is somehow considered difficult to pull off.



You seem to have a pretty Amercian education for someone who is supposed to be from the EU.

I am actually American, and at least one of us has an education.

[Inafking]

I am so glad I could inspire the post before this. I hope my friends in Europe enjoy it.

[Atomic_Skull]

The problem isn't with using an external company to process CC payments the problem is that Click & Buy is a very shady company. They are so bad that some banks will flat out refuse any transactions through them even if the customer wants it.

[Ilax]

Well, i just reactivated account that i could not play anymore due to 3d secure crap thing.... Used paypal to add crysta and bingo 5 min later account was reactivated.. No extra fee at all.

I kinda agree it sux to have to reload crysta every month, but now, it offer so many way to pay.

Idk i keep read horror about clickandbuy, imo everyone should just register a paypal account and enjoy the TRUST + no extra ripoff fee.



Jul 5, 2011 Express Checkout Payment Sent Completed ... -$18.27 CAD

That was for 2,000 crysta. [Not even a fee for CAD to US conversion]

[Alhanelem]

I disapprove of shady money making practices no matter the amount.There's nothing shady about it. They aren't really hiding anything, and it's hardly a "money making practice." If they really wanted to make more money, they could probably go free to play and open up a cash shop with functional items for sale. It's worked for every other MMO that's switched to F2P, and even boosted their popularity.

[Runespider]

Well, i just reactivated account that i could not play anymore due to 3d secure crap thing.... Used paypal to add crysta and bingo 5 min later account was reactivated.. No extra fee at all.

I kinda agree it sux to have to reload crysta every month, but now, it offer so many way to pay.

Idk i keep read horror about clickandbuy, imo everyone should just register a paypal account and enjoy the TRUST + no extra ripoff fee.

you have to pay more than you need though, and continually have extra left over. When you finally decide to quit they will get that extra money left over cause nobody is gonna play an extra 2+ months to get there moneys worth. When you quit there is a solid reason and you're probably done at that point, they are just gonna pocket that left over from everyone. So yeah it's a ripoff, no reason at all that we can't get the exact amounts.

[Ilax]

you have to pay more than you need though, and continually have extra left over. When you finally decide to quit they will get that extra money left over cause nobody is gonna play an extra 2+ months to get there moneys worth. When you quit there is a solid reason and you're probably done at that point, they are just gonna pocket that left over from everyone. So yeah it's a ripoff, no reason at all that we can't get the exact amounts.

That almost true, but if you really don't wan SE to keep your "extra" 00.1$ to 5$, you always have the option to give your leftover crysta to "red cross" for japan nuclear disaster.

(keep in mind you can buy 5$ + 10$ if you wan with paypal and there NO SE FEE doing double transaction, and paypal also charge NO FEE doing 2 transaction.)

[Kraggy]

if you are either buying crysta or doing automatic payment through click and buy it does.
Only if you use C&B, smart people don't.

[Ilax]

No paypal account, no access to #CC, baam you can use Ultimate Game Card from Walmart, Game Stop etc and pay just by entering the Pin number.

Idk imo, for the small trouble it cause to some people, it accommodate way more people. I wont be surprise more people start play FFXI now, if you think about all those who got blocked by that stupid 3D secure thing.

You talk about hidden fee, since when Credit card don't have monthly fee? Trust me, paypal have 0 fee lol... Only fee i saw that paypal charge is when you receive money to your account, never when you use paypal to pay something, nor when you transfer money from bank account or CC to your paypal account.

Anyway, peple here should compare how much Visa charge you and see if the 5$ leftover is still that bad.

[Dauntless]

I wont be surprise more people start play FFXI now

Highly

Highly

HIGHLY unlikely.

[Ilax]

Highly

Highly

HIGHLY unlikely.

Well i reactivated account that i could not before because of 3D secure, so SE already made 1 more subscriber this month :)

[Finuve]

Well i reactivated account that i could not before because of 3D secure, so SE already made 1 more subscriber this month :)
everybody already knew how to use a console or noscript to bypass 3D secure anyway

[Kraggy]

everybody already knew how to use a console or noscript to bypass 3D secure anyway
Which from several reports I've read no longer works.

[Finuve]

Which from several reports I've read no longer works.
I just did it last month after july's billing fiasco for my second account

[mistmonster]

Which from several reports I've read no longer works.

I always got around the 3d stuff on my PS2 and 6 accounts even as recently as last month. In FACT SE support TOLD me to get around it this way and he said if I couldn't do it this way to call him back and he would enter the cc number for me manually

[Ziyyigo-Tipyigo]

Which from several reports I've read no longer works.

3-D Secure was impossible to implement on consoles because it required a web browser to navigate to a third-party website. That's something you can't do on either a PlayStation 2 or an Xbox 360.

[Kraggy]

Okay, seems it still works, I was just going by some posts on Alla in which people were adamant the 'work round' no longer worked.

[Ziyyigo-Tipyigo]

There were a number of workarounds I've seen, not all of them involved using a console. I recall a YouTube video that involved some browser hacks to try to circumvent the 3-D secure system, that may be the "workaround" you saw discussed.

[Alhanelem]

How is this a troll thread? How am I trolling? Please, I'd really like to know.

We just learned that the 3.9% fee will not apply, so it turns out I was right all along. That doesn't mean Click&Buy is a good company or anything, but it is a small bit of good news. Hopefully the people that end up using it won't get screwed.