Click & Buy charges "international processing fee"!

[Aleste]

I don't know about you guys, but I'm starting to distrust Click and Buy more..

http://i355.photobucket.com/albums/r...ge/charges.jpg

Using their webpage, they said I have had no transactions with them (window in the bottom right). Whereas my Banks transaction history (top left window) clearly states a 2.40 EUR transaction on the 27th (when I signed up for my account).

I've purchased nothing from them, merely signed up to their [insert colourful cursing here] so that my FFXI account won't get closed come the deadline.

The transaction clearly states 'ClickandBuy Europe Ltd.' from 'www.clickandbuy.com'.

I can't wait to see my bank manager first thing monday morning. I'm not going to put up with mysterious £2.40 charge, moreso that SE clearly stated that there wouldn't be any additional fees.

http://support.eu.square-enix.com/fa...c=0&so=4&q=fee

As a FFXI/XIV subscription takes direct payments from a user’s chosen payment method, it is not necessary to store funds in the Click & Buy account. Therefore the charges outlined below will not be applicable to anybody simply using their C&B account to pay for their FINAL FANTASY XI or XIV subscription. Should a customer wish to use their Click & Buy account for additional services, additional fees may be incurred.

...

Please note players paying for their FINAL FANTASY XI or XIV subscription in a currency other than EUR or GBP will be subject to a foreign exchange rate of 5.9% per transaction.

[Kimble]

That 2.40 charge was to verify your account, hence why it wasnt shown as a transaction.

[RAIST]

That is their test charge to verify the account. Technically, it is supposed to be a pending charge but for some reason the charges are actually processing for some people. It should get reversed in a couple business days. If not, you'll want to contact C&B about it. If you go through the bank and have them issue a chargeback, it may trip up a lock on your C&B account. Then you'll be jumping through hoop s trying to get that unlocked.

[Kimble]

I dont think its suppose to be pending charges. From what I read, they charge your account and then that account gets but into your CnB account so you make sure you use that for part of your next payment

[Aleste]

It's been 11 days for them to get their junk sorted out... Quality service there.

I'm curious as to what the NA FAQ articles mention towards payment... I noticed on the EU version it makes a reference towards paying the additional currency exchange fee.

Please note players paying for their FINAL FANTASY XI or XIV subscription in a currency other than EUR or GBP will be subject to a foreign exchange rate of 5.9% per transaction.

Does it say that on the NA version too ?

[RAIST]

That was their remedy when it went through by mistake. They may have changed their procedures recently who knows. But they used to just "ping" the account and then you would contact them to verify what was showing on the account and they would reverse it. Kinda the same thing Paypal used to do to verify an account. It was a way for them to verify the person they are dealing with is indeed the account holder.

[Kimble]

Might want to get your facts right. I understand a lot of people are upset with them but should be upset for the correct reasons not reasons you agreed to.

You cant "Ping" an account. The transaction has to actually go through to verify it. It even says when you go to verify that they will change you 2 amounts (seems like in a to of cases, it gets merge as one amount) and that once it goes through, they put that amount charge into your click and buy account.

1. Your credit card will be charged two random amounts between 1.00 and 1.99 USD.
2. Call your bank or check your credit card statement for these amounts (may take up to 3 business days).
3. Enter these amounts on the credit card confirmation page (on the Settings tab in your ClickandBuy account) within 60 days to finish confirmation.
4. The two amounts are credited to your ClickandBuy account.

[Tamoa]

Might want to get your facts right. I understand a lot of people are upset with them but should be upset for the correct reasons not reasons you agreed to.

You cant "Ping" an account. The transaction has to actually go through to verify it. It even says when you go to verify that they will change you 2 amounts (seems like in a to of cases, it gets merge as one amount) and that once it goes through, they put that amount charge into your click and buy account.

1. Your credit card will be charged two random amounts between 1.00 and 1.99 USD.
2. Call your bank or check your credit card statement for these amounts (may take up to 3 business days).
3. Enter these amounts on the credit card confirmation page (on the Settings tab in your ClickandBuy account) within 60 days to finish confirmation.
4. The two amounts are credited to your ClickandBuy account.

This is correct, it's exactly what I had to do.

[RAIST]

Actually, yes you can send a test through without it actually processing. That is the "ping"--also used by CC thieves to see if they can use it, charge a small amount and if it ggoes through, then they go crazy with it. So, technically both methods can be called a "ping".

Used to do pre-authent's all the time with car-rentals. It's a pre-authorization that is put on hold until you send the code through to actually finalize the transaction. For us, on a weekend rental, we automatically pre-authorized the greater of $250 or expected rental time plus one day. All pending charges would be finalized at the end of the day, so they wouldn't actually debit accounts until roughly 5:30 PM, even though it may have been authorized at 8:15AM.

Pre-authorizing and later finallizing transactions is common practice. Everytime you check into a hotel and you give them your CC up front to hold a room, they often pre-authorize a charge to make sure they can get at least that much money. They don't actually BILL the CC until you check out (or in some cases your room charges meet/exceed that preauthorized amount).

And as I stated in that previous post, they may have changed their policies recently. What they used to do was do a authent and hold, wait for you to verify the pending transaction, then they'd cancel it. This saves resources as they don't have to issue refunds. They may have changed things recently as some people have reported both methods happening since SE changed things.

[Kimble]

Regardless if it was changed or not (I don't believe it was because it was like that when I signed up for XIV) if the person knowingly agreed to it, then they cant sit there and cry and get upset and wonder why CnB "changed" them.

I understand people have issues with CnB, but dont think they should get upset for reasons that they agreed to and isnt CnB trying to rip you off.