I also agree. They said there would be an option to pay with 3d secure credit cards, but I didnt see that, only click and buy and ultimate pay. If they meant that was through click and buy, then that was sure a sneaky way of putting it
I settled for the Crysta option when I transferred my account and was just planning on letting my account cancel as I was not going to use these 3rd party vendors. I looked into Ultimate Pay Game Cards, which sounded like my best alternative, but found a good post from 2010 about FFXIV crysta that outlined the option through Ultimate Pay and Paypal. I tried it and it was amazingly easy. I had worked myself up, but in the end it was super easy and worked great, other than no reoccurring or autopay, which really sucks, but you get a free 100 ($1) Upoints for signing up
I logged into my SE account and chose add crysta (at top) clicked on the ultimate pay option, window pops up to choose Paypal or game card, chose Paypal, the Paypal login screen loaded, logged in and verified the type of Paypal transfer and click'd pay. screen went back to ultimate pay pop up window, clicked done and my SE account showed my crysta I had of course had to do a 500 and a 1000 as they dont have a 1500 On one I had to veiw my Crysta Passbook in order for the main account window to reflect my new crysta balance.