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

[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.