Ok this is annoying so sorrry for the harsh tone.

click and buy is only for crysta
YES THERE IS PAY PAL
Go to the SE account part of the site to imput your credit card info.

really guys stop complsining about stiff you do not have to deal with. I'm on a fixed income and plan on using $20 dollor Ultimate pay cards. Jeez complaining over the stupidest stuff is silly do research instead of crying jeesum.

I had no issues setting up my ffxiv account. Just read and fill the stuff in slowly.