If I am reading Camate's post correctly, FFXI players who currently have a 3-D secured payment method set up can still use it, but will still have to transfer to the SE account format. There will be no need to use ClickandBuy or Paypal to purchase Crysta. I would like confirmation of this though.

My other concern is that if you do have to buy Crysta by either ClickandBuy (especially) or Paypal, will there be additional fees involved. If so, forget it, not doing it if I can't use my current payment method which does not involve additional fees.