You can transfer a surplus whenever you want and schedule payments for every month (or buy one of the packages).
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I'd still prefer a direct option for payment but I guess this will get me by, thanks.
"Charge me direct" doesn't exist, because MMORPG companies aren't specialized in taking and managing funds. They most of the time use a third party provider. Even Square Enix did for FF XI.The only thing is that the operation is completly transparent to the end-user. Yet your money never ended up straight into SE's pocket.
Just keep that in your mind.
More payment methods have been announced also, and we still have one month before they gets implemented.
The current billing options are NOT customer-friendly. ClickandBuy is known for being unscrupulous, and apparently Square Enix has their balls in a vise, or just flat out doesn't care.