Thing is SE could have spent hour tops calling some of the big national banks and see what they thought of Clink and buy and wether or not using this companiy would result in extra fees by the banks that didn't happen before. IIRC Wells fargo is one of the banks charging this fee, so not some back water bank. Basic research would have prevented all this on top of they all ready should have know from the crap people said about CnB from trying to set it up for FF14. While it never went to payment yet it should still have set off alarm bells.

The higher ups never learned from Spirits within that just slaping the Final Fantasy name on something doesn't mean it will even work. Trading on the fans willingness to buy on name alone is getting to point of backlash. Even with all the "Fixs" to 14 no game mag will ever give it a decent review, took them a year to put in auto-attack. When there is so many good options to put you time and money or just time coming a gaming comapny can't afford set backs with new games or pushing away players from thier still profitable games.