I didn't like the clickandbuy option for FFXIV, I signed up for it but never used it as FFXIV went free to play till fixed. Then later cancelled my clickandbuy account.
If these are the only options, It maybe time for my hubby and I to look for a new form of entertainment.
I like to only deal with the company I am getting the end product from and not dealing with middle men. That way if I have a problem with my payment I take it up with SE not clickandbuy.
Why do these fees exist?
As an online payment system, ClickandBuy gives you the ability to shop securely and conveniently in the Internet. In certain circumstances, ClickandBuy charges you fees for those services that are connected with a risk or additional costs to ClickandBuy, such as the risk of non-payment.
You may use fee-based services like funding with credit card, but you are not required to do so. However, many of these services are very convenient and allow flexible Internet shopping. If you want to take advantage of these services and fees are required, we show you clearly the amount and type of the fees before you confirm your purchase. This leaves it completely up to you to decide if our service is worth the fees.
Of course, most of the services offered by ClickandBuy are available at no charge.
When do the fees have to be paid?
Here is a breakdown of all fees that can be incurred when using our special services. Fees are charged according to our Fee table.
Risk premium for payments via credit card
Depositing money on your ClickandBuy account using a credit card is associated with greater risk for ClickandBuy. For this reason, we add a risk premium of 3,9 % to the value of the transaction.
Payouts to a bank account
If you want to withdraw your emoney to your private bank account our transaction costs need to be covered by charging a withdrawal fee.
Maintenance fee for inactive accounts
When your account has been inactive for more than 12 months and contains valid funds we need to charge a monthly maintenance fee. If you do not wish to be charged a fee you can reactivate your account by performing a purchase, funding or a withdrawal.
Cost sharing for chargebacks
When a transaction cannot be concluded because payment cannot be recovered, ClickandBuy charges you a cost-sharing fee of 25,00 EUR. This amount is calculated based on the expenses that accrue to both ClickandBuy and the bank involved when a chargeback occurs.

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