Direct Debt

[Crawlerbasher]

In the UK there are 2 ways of paying.
Credit Card
Debit Card

I would relay love to set up a direct debt or bank transfer so that its all automated.
Been a debit card user, its great that I can pay up to 3 months in advance, but would love to be able have it come out of my account with out forgetting about it or doing it at the last minute.

[Korpg]

They already do that

[Crawlerbasher]

What there do Direct Debit for the UK accounts?
Because the only thing I've seen are card payments.

[Korpg]

They take out $XX (or in your case, UK pounds) every month from the same card. You can use both debt and credit cards in this transactions, because most debit cards are backed by a credit company. Debit cards just take out the money from your checking account, almost instantaneous.

International Bank Laws does not alter banking laws in each country, and I don't think that civilized countries would differ in this aspect. In other words, what happens in the US banks most likely will happen in the UK. Don't see any changes in that.

[Crawlerbasher]

actually on my debt card I have to manual top up my game play between 1 month and 3 months.
its not automated.

And I was on about a direct debt, no card just money coming straight out of the account to per for services.

[Korpg]

Wait, do you actually have to send a check to SE each month to play this game?

Am I understanding this right?

Edit: Or have to put money in your checking account to pay for this game?

[Alkalinehoe]

money coming straight out of the account to per for services.
They already do this, it's called a Debit Card.

[Tamoa]

They already do this, it's called a Debit Card.

This.

My Visa card is not a credit card, it's directly linked to my checking account and no charges will go through unless I actually have sufficient funds on my account. I.e. Debit Card. I've been using this since I started playing. Granted I'm not in the UK but I sincerely doubt things are different there.

[Crawlerbasher]

They already do this, it's called a Debit Card.

Yes it is, thank you for reminding me about what I already know.

Wait, do you actually have to send a check to SE each month to play this game?

Am I understanding this right?

Edit: Or have to put money in your checking account to pay for this game?

This is how it works with a uk debit card.

You login to pol.
You go to services and support.
Go to Membership.
You put in your SE password and one time password in.
then go to Content ID Contract Extension.
Then you pick your Extension period for 1 month 2 month or 3 month.

And each time you need to go though all that again and again and again.

Now for a Credit card its take out of your account automatically.
(I don't want a Credit Card that's why I'm paying using a debit card.)

Now with a Direct Debt.
The money is taken out of your bank account automatically every month on a specified date.

[JTF]

This is how it works with a uk debit card.

You login to pol.
You go to services and support.
Go to Membership.
You put in your SE password and one time password in.
then go to Content ID Contract Extension.
Then you pick your Extension period for 1 month 2 month or 3 month.

And each time you need to go though all that again and again and again.

Now for a Credit card its take out of your account automatically.
(I don't want a Credit Card that's why I'm paying using a debit card.)

Now with a Direct Debt.
The money is taken out of your bank account automatically every month on a specified date.

I've never seen this extension option before. My money is taken out automatically every month on my UK debit card.


What there do Direct Debit for the UK accounts?
Because the only thing I've seen are card payments.

I don't think they do Direct Debits - for that you'd need to give them your account number and sort code etc but you can use a UK bank debit card to have them take it out every month on the 1st or 2nd automatically.

Those 'card payments' are where you go. It can be confusing but that is where you go for both credit and debit card payments.

The reason is that your UK debit card is either a Visa backed one in which case it is a Visa Debit or Visa Electron card or it is a Mastercard backed one in which case it is a Maestro card. (A few people may still have Switch too).

So look on your card and see if it is Visa or Mastercard based. Then select that option in 'Cards'.

[Tamoa]

I actually had to log off game to check this for myself, seeing as I use EU PoL too. I followed the steps up until where you see all your member information and there is a "Please select a category" menu at the bottom. And unless I'm completely and utterly blind, I see no "Content ID contract extension" option there.

[Saefinn]

Odd, I'm UK and it does it for me automatically on a direct debit, also I'm using a debit card and not a credit card. Perhaps it's just the way you've set up your account, though I'm not sure how you'd change it.

[Alhanelem]

What there do Direct Debit for the UK accounts?
Because the only thing I've seen are card payments.
What difference does it make? It's not like you can get cash back like you can at the grocery store. Just use your debit card for payment. The money still comes out of your checking account. You use your card, as if it were a credit card, and enter its information, again, as if it were a credit card. The end result is the same as if they did a "direct debit."


Content ID contract extension"You don't have to manually "extend" your "contract." payments are processed automatically unless and until you cancel them.

[Crawlerbasher]

What difference does it make? It's not like you can get cash back like you can at the grocery store. Just use your debit card for payment. The money still comes out of your checking account. You use your card, as if it were a credit card, and enter its information, again, as if it were a credit card. The end result is the same as if they did a "direct debit."

You don't have to manually "extend" your "contract." payments are processed automatically unless and until you cancel them.

Actually once I did not manually extend my contract and guess what?

No payment was taken out of the account and my account became inactive.
I had to reactivate my account and manually extend my contract.

Picture below

http://www.crawlerbasher.myby.co.uk/pol%202011-05-07%2002-30-07-25.jpg

http://www.crawlerbasher.myby.co.uk/pol%202011-05-07%2002-30-35-89.jpg

BTW this topic as gone way off topic.
I wanted to suggest another payment method other than card payments.

Since this all about my payment method which is nothing to do with the original post.
If there is a mod reading this place lock it out.

[Alhanelem]

No payment was taken out of the account and my account became inactive.That means there was a problem with your payment method. Under normal circmstances, you never, ever have to manually "extend" your contract (in fact, no such option exists- you cannot pay manually).

They likely will not see any reason to add non-card payment methods (other than possibly game cards via Crysta, but they would probably have to revamp playonline's backend systems to work with that) and in fact the lack of payment options is partially due to the design of playonline itself- it's about as easily modified as FFXI is (which isn't easy at all). In your case, there is basically no difference between a debit card transaction and a "direct debit" transaction other than the lack of a card itself- and what bank doesn't offer a debit card with checking accounts? Direct debit is no more safe and secure than the debit card.

(you can't ask for threads to be locked- threads will be locked if a moderator deems it appropriate- which it's not because this isn't off topic)

[Crawlerbasher]

That means there was a problem with your payment method. Under normal circmstances, you never, ever have to manually "extend" your contract (in fact, no such option exists- you cannot pay manually).

They likely will not see any reason to add non-card payment methods (other than possibly game cards via Crysta, but they would probably have to revamp playonline's backend systems to work with that) and in fact the lack of payment options is partially due to the design of playonline itself- it's about as easily modified as FFXI is (which isn't easy at all). In your case, there is basically no difference between a debit card transaction and a "direct debit" transaction other than the lack of a card itself- and what bank doesn't offer a debit card with checking accounts? Direct debit is no more safe and secure than the debit card.

(you can't ask for threads to be locked- threads will be locked if a moderator deems it appropriate- which it's not because this isn't off topic)

There is nothing wrong with my payment check the links to see Screen shots.

[Alhanelem]

Well, on the NA client we don't have anything like that. We just put our payment info in and it just takes the fee out month by month. That's way preferable to having to remember to pay every couple months. I'm sorry, I didn't know the payment system was different for the EU client.

[MarkovChain]

You don't have to manually "extend" your "contract." payments are processed automatically unless and until you cancel them.


You do, please stop spitting nonsense. I myself changed my credit card at the beginning of this year and it doesn't allow monthly automatic payments like my previous one which means I have to extend the contract for 1-3 months for each char and mules everytime the last contract expires.


Well, on the NA client we don't have anything like that.

Did you notice the "I'm uk" part of the thread ? I'm french and it works the same, it's not a CC problem it's an issue with SE that doesn't recognize my card as a normal credit card, even though it is a visa

[Aleste]

I've been a Northern Bank customer for easily a good 13-15 years. Never changed bank, never changed my account, only get the re-issued card in the mail once every 1 (2? is it) years when the previous one expires. I have a Visa debit, which is used to pay for my account, and a Visa credit (normally for paying bills that can't wait till pay-day).

http://i355.photobucket.com/albums/r465/Alestethewhitemage/5.jpg
(Picture of a Northern Bank Visa Debit card with the numbers covered)

I live in Northern Ireland, and use the EU version of the Playonline Viewer. However, I definately recall about 2 years ago having to manually extend my contracts, but I can't honestly remember the (exact) last time I've had to do it. All my contracts are automatically extended, and I get this when I log in.

http://i355.photobucket.com/albums/r465/Alestethewhitemage/1-2.jpg
(Picture of the 'This months fee's have been billed, click here to review blah blah blah'. I don't actually review it to be honest. Generally just check my monthly bank statement)

http://i355.photobucket.com/albums/r465/Alestethewhitemage/2-1.jpg
(Clicking to view fees brings up summary page)

http://i355.photobucket.com/albums/r465/Alestethewhitemage/3-1.jpg
(Clicking into one brings up the summary for the charges)

http://i355.photobucket.com/albums/r465/Alestethewhitemage/4.jpg
(Last but not least, no sign of 'contract extension' in the services and support menu in the EU version of POL)

I've used my Debit card to pay for a friends account (he's NA) and I had to download and install the NA version of POL to change the details on it; he's still playing, and my bank account is getting charged for it, so I can easily assume that his contracts are automatically being extended.

tl;dr - I'm an EU customer using a debit card, and mine extends perfectly fine without any interaction.

Edit:: It shows up on my bill like this~

http://i355.photobucket.com/albums/r465/Alestethewhitemage/6.jpg

[MarkovChain]

http://i355.photobucket.com/albums/r465/Alestethewhitemage/4.jpg
(Last but not least, no sign of 'contract extension' in the services and support menu in the EU version of POL)


It is in mine in the same menu of your pic there is a line "contact ID contract extension" which leads to this so what works for you doesn't work for anyone...

http://i189.photobucket.com/albums/z315/pchann/contract.jpg

[Aleste]

Not once did I say that I didn't believe contract extension was there; in fact, I agreed by saying that I recalled doing it a long time ago.

The post was more confirmation that (some?) debit cards do work for UK customers to pay for their FFXI subscription.

Tamoa and Saefinn also mentioned that they were UK customers on debit cards who have no trouble with their UK debit cards processing the transaction.

Therefore, we can assume one or multiple of the following;

The account is incorrectly set up
The card isn't a valid debit card type
The bank processing the transaction is lazy

[svengalis]

There needs to be a PayPal option.

[bungiefan]

Well, on the NA client we don't have anything like that. We just put our payment info in and it just takes the fee out month by month. That's way preferable to having to remember to pay every couple months. I'm sorry, I didn't know the payment system was different for the EU client.

Japanese accounts using WebMoney work the same way, while using credit cards they are just auto-billed until you deactivate the Content IDs. WebMoney lets you pay up to three months at a time per Content ID, but once you pay you can't deactivate for the future months you have paid. It warns you about a week before the month ends that your Content IDs will deactivate if you don't pay more WebMoney, and the error even shows up, and in English, if using the NA client, telling you to log in with the Japanese client to pay the bill.

WebMoney is a gift card currency, like Nintendo Shop Points, or PSN Points, or Live Marketplace Points, that you can buy the card, charge your account, and pay for certain online services with, like FFXI and Crysta. It's Japan-only though, so it must be imported if you aren't in Japan and have a Japanese account, since you can't add a non-Japanese VISA or MasterCard anymore to Japanese accounts.