for those that haven't seen it yet (or otherwise forgot), here is the JP help page for the transfer, through Google Translate:
http://translate.googleusercontent.c...31aAKy-SQVuVrw

Scroll down to section 7. Notice it is basically to select payment method. It's graphics so not translated, but they get option for CC or Crysta--note it is just a standard MC/VISA logo. Now go to section 8b:If you choose a credit card. Note that they can put their CC information directly in, and also note the 3DS and VbV logos in the lower panel. Also note the text under those graphics that did translate:
「クレジットカード」「Crysta」から利用されるお支払方法を選択し、「次へ」をクリックしてください。 "Credit card" "Crysta" and select the payment method used by "Next" Please click on.

※ ※ 「クレジットカード」は、Visa、MasterCardの本人認証サービス（3Dセキュア）に対応したカードがご利用いただけます。 "Credit Card", Visa, personal authentication services for MasterCard (3D Secure) available card with.

※ ※ 「Crysta」はVisa、MasterCard、JCBの本人認証サービス（3Dセキュア）に対応したクレジットカード、およびウェブマネーでチャージすることができます。 "Crysta" are Visa, MasterCard, personal authentication services for JCB (3D secure) credit card with you and to charge money on the web.
クレジットカード番号、有効期限、セキュリティコードを入力し「次へ」をクリックしてください。 Credit card number, expiration date, security code, enter the "Next" please click on the.
Essentially, they get to continue doing what we are doing now in addition to using Crysta.


Now, contrast that to what happens in the NA version:
http://www.playonline.com/homeus/polshift/help.html

At step 7, you get to choose either Crysta or Credit/Debit Card via Click and Buy--note that this step shows the C&B logo, not the generic Visa/MC like on the JP page. Now look at step 8b. You have to go through Click and Buy--no direct processing for 3DS or VbV cards.