Quote Originally Posted by Kanjitai View Post
CAB adds a 3.9% fee to credit card charges.
The fee is only charged if you use a credit card to add money to a ClickandBuy balance (also known as "pre-loading" in ClickandBuy's T&C). There is no need to have a balance in order to pay for Final Fantasy XI.

Simply using ClickandBuy as a credit card processor for the sake of paying for a FFXI subscription or buying Crysta is a "payment" rather than "account funding." And there is no payment fee, regardless of source.

Go back to the T&C and read the description of the "Payment Fee."